It will take next 6-12 months for the new accounts and inquires age and drop their effect on the scores. In the mean time, I want to work on getting some baddies out of my reports. What is the best way to accomplish this?
What should be my focus among these items?
1. I have some lates. I'll start GW letters.
2. I have 2 paid collections. I'll contact Comcast and see if they can help me to get this baddie out.
3. I have some credit card charge/settlements. I have couple of CapOne's Reporting. I settled with them earlier. Should I offer to pay them more money on the settled accounts if they were to remove the complete negative informaton?
4. I paid student loan in full Feb 08. But it keeps reporting on my CR as 120 day lates until Nov 09. I tried contacting both Creditor and EQ. I could not make much progress. I am thinking of contacting US DOE and seeif they can help.
What items should I focus first in getting these baddies removed?
