topic Advice on what to dispute etc. in General Credit Topics

Advice on what to dispute etc.

Anonymous — Thu, 04 Oct 2007 20:37:43 GMT

I just looked at my credit report on a TC affiliated site. I understand that their scoring is not FICO. However, is my credit report as shown thorough and accurate? I found the following issue and am curious what the best way to proceed is: *TU Address problem: Address listed is incorrect, it is showing my college address from 2000 My accurate current address is listed as my previous address *My 1FBUSA card is listed twice: I did have a new card issued 2 years ago when I lost it. The original card is listed as 0/14,000 --"closed by consumer" The second listing has everything correct. Both listings have the correct opening date 12/99. Will it help or hurt to have the $0 balance, "closed" account removed? And how do I do that? *Capital One: 2 - 30 day lates 1 - 60 day late These are from about 5 years ago, some due to not getting bills because of moving. They are legit, but is there anything I can do to get them removed? *Wachovia: 1 - 30 day late This is from 5-6 years ago. Again, is there any chance of having this removed? *Unauthorized Inquires: I have 2 inquires that I have no idea what they are: HSBC NV 7/10/2007 FIRST USA 8/10/2007 What do I do about these? Thanks in advance for your help! This board is a godsend.

Re: Advice on what to dispute etc.

Anonymous — Fri, 05 Oct 2007 15:22:13 GMT

I just looked at my credit report on a TC affiliated site. I understand that their scoring is not FICO. However, is my credit report as shown thorough and accurate? I found the following issue and am curious what the best way to proceed is:

*TU Address problem:
Address listed is incorrect, it is showing my college address from 2000
My accurate current address is listed as my previous address

*My 1FBUSA card is listed twice:
I did have a new card issued 2 years ago when I lost it. The original card is listed as 0/14,000 --"closed by consumer" The second listing has everything correct. Both listings have the correct opening date 12/99.

Will it help or hurt to have the $0 balance, "closed" account removed? And how do I do that?

*My Bank of America card is listed twice:
Once as reporting to TU&EX
An additional entry as reporting to EQ only.

*Capital One:
2 - 30 day lates
1 - 60 day late
These are from about 5 years ago, some due to not getting bills because of moving. They are legit, but is there anything I can do to get them removed?

*Wachovia:
1 - 30 day late This is from 5-6 years ago.
Again, is there any chance of having this removed?

*Unauthorized Inquires:
I have 2 inquires that I have no idea what they are:
HSBC NV 7/10/2007 FIRST USA 8/10/2007
What do I do about these?

Thanks in advance for your help! This board is a godsend.

Message Edited by greenpea104 on 10-04-2007 02:22 PM

Message Edited by greenpea104 on 10-05-2007 08:22 AM

Re: Advice on what to dispute etc.

Anonymous — Fri, 05 Oct 2007 15:20:33 GMT

Ok, I've done some more reading. I know I make the address changes with the CRA. And I know that I need to send GW letters to my CCs about the lates.

I guess my only remaining question is what should I do about the cards listed twice?
Is there a valid reason they're listed twice? And is there any chance removing one instance will hurt my credit?

Thanks.

Re: Advice on what to dispute etc.

Takunda1 — Fri, 05 Oct 2007 15:25:55 GMT

If they are positive tradelines I wouldn't woryy about them. If they are bad or have lates then I would try to get them removed.

Re: Advice on what to dispute etc.

Anonymous — Fri, 05 Oct 2007 15:54:34 GMT

They do not have any lates. However one of the reasons listed for my credit score is too many open accounts. Would closing the duplicates help with that?

Re: Advice on what to dispute etc.

Anonymous — Fri, 05 Oct 2007 20:12:25 GMT

you can not have too many open accounts!!!!!! If they are all current & no derogs.