Any help here? 20 derogs...

[Anonymous]

I have been lurking here for about a week and have learned soooo much! Any and all advice is appreciated...so, if you've delt with any of these comapnies, let me know your story so that I can fix my credit...

I have a two-year old and am planning on proposing to her mother (my gf) in May...so, I wanna be a little more settled when I do so...

currently I am sitting at :
- 520/EX(fako), unknown/EQ, and a 569/TU(fiko)
- 20 dergos
- 7 accts in good standing
- 1 public record (judgement from Nextcard)

there are the derog tl's:

Americredit - auto repo $3,037

Arrow Financial Service (collection) / OC was First Premier - $993

Capital One Bank (charge-off) - $668

Cavalry Portfolio Services / OC was Primus Auto (repo) - $10,120

CBCS Collections (paid, closed, collection account)

Credit Protections Associates / OC was Time Warner - $350

Drive Financial (paid, closed, past due 180 days) 

Equidata / OC was Comcast (account scheduled to go to a positive status as of Sept 2010) - $184

Equidata / OC was Comcast (account scheduled to go to a positive status as of Sept 2010) - $665

First American Investment / OC was Household Bank - $587

First Premier Bank (acct charged off, past dues 120 days) - $730

Global Acceptance Credit / OC was Capital One Bank - $647

HSBC Bank (acct transfered, closed/acct charged off) - $852

Midland Credit Mgmt / OC was Southwestern Bell - $387

NCO Financial / OC was Sprint PCS - $371

NCO Financial / OC was Bank of America - $193

Paragon Way INC / OC was Advanced America - $384

Primus Financial (acct charged off/repo - $8,022

USA Federal Credit Union (acct charged off) - $295

----------------------------------------------------------------------

That's it. So far all I have done was send a PFD letter to USA FEDERAL CREDIT UNION regarding the $295, and I sent a GW letter to Drive Financial since it was a co-sign that I did for my ex-wife...and they did get their money, ALL of it...soooo, I figured they may have a heart.

Next I plan to send out massive DV letters to the CA's, esp since it appears that some of the OC's are still reporting the debts with amounts even after selling them to a CA. Is that legal??

Thanks for your help in advance...and happy credit fixing!

[gdtobefree]

DOFD or DOLA's would be helpful. Where you live or if you know what are the SOLs on them?

That is a lot of accts to just "give" you an answer on how to handle them.

[modernsurrender]

I have fewer derogs and lower fako's I'm gonna go cry in a corner now lol

That is a lot for people to process though, you should pick a few to work with and post more details about them.

[Anonymous]

Oh. My apologies...didn't mean to post too much info, or post incorrectly...

I moreso just wanted to list the CA's and OC's so posters here could let me know how leaniant they are towards PFD's, DV's, ect.

It would waaay too much to list if I put the DOLA, ect. and SOL's because I live in Missouri, but these accounts were started in four different states while I was in the military... 

[Anonymous]

Before touching your CR  know what your SOL is

simple SOL

http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

SOL v CRTP

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=17466

Now what we need is   dates DOFD  DOLA

   most states set SOL by DOLA

Look at your report & weed out OC to CAs     When an account is closed for non pay....most OCs wii assign or sell it to a CA.    After awhile it could be sold over & over. This is another reason why the DOFD - DOLA is important as it is the OC that sets it.

Post the oldest first  with the dates from your CR.

[Anonymous]

okay, thanks...doing so right now! I will come back and post...

thanks again.