topic Worksheet to Document the Baddies in Rebuilding Your Credit

Worksheet to Document the Baddies

injustifiiable — Sat, 02 Jun 2012 23:20:41 GMT

I've put together this sheet to help me track my progress so far.

It's pretty simple. Green text means it's been removed. The dates listed are when I pulled reports. Known drop-off dates are listed under the name of the TL.

Gotta say, it's so much easier to digest in spreadsheet form...hopefully this will help someone!

Of course, the ultimate goal is to have all of these TL's in Green!!!

			EX	EQ	TU

First Bank of Delaware
Never reported on EQ		3/5/12	EX
		3/28/12			TU
		4/11/12
		4/14/12	EX
		4/24/11			TU


First Premier Bank
	Nov-2013	3/5/12			TU
		3/28/12	EX	EQ

HSBC Bank
	May-2015	3/5/12			TU
Not Reporting on EQ		3/28/12	EX


LVNV Funding
	May-2015	3/5/12			TU
		3/28/12	EX	EQ

Midland Funding 853
	Nov-2014	3/5/12			TU
		3/28/12	EX	EQ
		4/14/12		EQ
		4/28/12	EX
		4/30/12			TU
		5/28/12		EQ

Midland Funding 854
	Apr-2016	3/28/12	EX
		4/14/12
		4/24/12			TU
		5/28/12		EQ

NCO Financial
		3/28/12	EX
		4/11/12			TU
		4/16/12	EX
		4/24/12			TU

Plains Commerce Bank
	May-2013	3/5/12			TU
		3/28/12	EX

Salute Visa
		3/5/12			TU
		3/28/12	EX	EQ
		4/11/12			TU
		4/14/12	EX
		4/26/12		EQ





Trident Asset Management
		3/5/12			TU
		3/28/12	EX
		4/11/12			TU
		5/27/12	EX

Reporting
Removed
Investigation

Re: Worksheet to Document the Baddies

RobertEG — Sat, 02 Jun 2012 03:36:47 GMT

Helpful!

Just a note on collections and charge-offs......

Under FCRA 623(a)(5), reporting of a DOFD only requires providing the month and year, so the CR exclusion dates wont have a specific day associated with them.

Re: Worksheet to Document the Baddies

injustifiiable — Sat, 02 Jun 2012 21:39:35 GMT

@RobertEG wrote:
Helpful!

Just a note on collections and charge-offs......
Under FCRA 623(a)(5), reporting of a DOFD only requires providing the month and year, so the CR exclusion dates wont have a specific day associated with them.

Yeah...my Excel formatted the 4-digit year incorrectly...I fixed it though! Thanks!

Re: Worksheet to Document the Baddies

marty56 — Sat, 02 Jun 2012 21:57:18 GMT

What a great idea. I use Excel for my budget.

+1000

Re: Worksheet to Document the Baddies

Anonymous — Sat, 02 Jun 2012 23:23:31 GMT

I use an EXCEL sheet to track mine too. I track DOFD, Names, Amts, Dates I've sent a PFD, DV or GW and current status on each CRA report.

Re: Worksheet to Document the Baddies

Lasardo — Sun, 03 Jun 2012 07:41:20 GMT

Great worksheet. I track my baddies on an EXCEL worksheet also. In addition, I keep them in a 3 ring binder alphabetized with all correspondence for that file. I keep a cover sheet in the front of each file and track and date phone conversations, when I receive a stmnt, when I make a payment, what LTRs have been sent , or when it has been deleted from the CBs etc etc. ANYTHING & EVERYTHING that takes place on that particular file. I have 36 files, mostly medical, so I would be lost...