I need advise as to what my next step should be. A little history. BK filed 2/03 DIS 5/03. Have 4 baddies since then. I have 2 CC, One secured & the other Orchard with 300.00 limit. 7/06 disputed all the BK items on CR as they were still listing as open. I was able to raise my scores from the 500’s to 600’s. 7/07 disputed personal info as they all had old addresses with EX having them back to the late 80’s!. TU removed no problem, EX removed a few but still have addresses going back to mid 90’s – some are still listed incorrectly. EQ – waiting to hear back as they only had 2 addresses listed. I also was able to get TU to remove a judgement (just disputed it) that was listed and was included in BK. Judgement was only listed on 2 reports – TU & EQ. I have a letter from the court asking if they report this information to the CRA. They responded that “people call and ask if these are still open and they verify”. From reading other boards, courts do not submit information to CRA’s like a creditor would. So I am sure I can get the judgement removed from the 2nd CR with a MOV request. My questions are: 1) the baddies are small 60.00 AFNI & 111 AFNI from 2004 but they are with the cable co from 2003. there are two medical collections from 2003 where the dr is no longer in business and these should have gone through the insurance but did not. 800.00 & 400.00. Should I dispute these with MOV letters all at once with all the CRA’s listing them. (2 are on one CR & 2 are on another CR) 2) Should I get all the old personal information removed before I dispute the baddies? 3) Can all of this be disputed at one time or should it be disputed a little at a time? I am also going to dispute more of the BK items as some are still not listing accurately (showing late pays after the BK date)
