Collections

[Anonymous]

I am trying to improve my credit score and recently it took a dip into the 400s. I know one reason is because my cc are full.. and I had a 30 days late payment posted in Jan. through reading one of the post I will call the CC company and see if I can have that removed but my biggest concern is dealing with the negative items. A few of them are actually paid but still show in the negative credit section. Does anyone have advice on dealing with negative items on your credit report?

Thanks!

[Anonymous]

If you provide the details of the items we may be able to help with specific advice for each.

[Anonymous]

1. Cell company $325

2. FHA which they say was sent to Dept. of Treasury but the Dept of Treasury can't find it in their system... $6700

3. 2 Drs. bills one for $106 the other for $188

4. Alarm Company $347

5. Cell company $1499

Marked PD but still showing as bad credit:

1. SBC $45

2. Conns says paid/closed was 30 days late

3. Old Mortgage says paid/closed was late.

Those are all my negative marks.

[Anonymous]

Not trying to overwhelm you need dates on all accounts (DOLA/DOFD) whether being reported by an OC or a CA and your SOL for where you live now and where you lived when you opened the account (if different) 

This is to help with best course of actions for each - don't want lawsuits etc