First Go round Filtering through...Sigh

[Jesedmotherof5]

Okay Ive been monitoring my credit for EVER but only recently started reading these forums to start doing something about it I found Several things that were disputed ANY help will be greatly apprciated on the next step as I try very hard to wait for things to get better.

OSI (Medical )collection- Paid in full by me- The problem here is that I had insurance I sent all the documentation to the collection agancy and they sent me a letter saying your acount has been paid in full.... (yes I know it has i did it in 2006) Geesh thanks for your help. It was deleted from EQF, not the others

Ford GW for three 30 day lates in 2003- Returned Letter undeliverable...

Pleasant HILL rec OC- Paid in full 2006. It says Date opended 2002 but I know it has to be earlier then that because its a day care bill for my now 13 year old and he was at least in 1st or 2nd grade. GW them anyway hoping it would come off- No answer_

Benifical Loan Sold to Fan Distribution 2000 DOFD found on an old credit report- Deleted On EQF, EXP but TU sends me a letter saying I just bought them 15 extra days becasue I supplied them with updated information (whihc I didnt it must have been for another dispute as i did them Indiv) Should I call them? Score dropped 1 POINT after getting this removed... Kinda disapointed that was all since it was up to 30k with fee's ect. 

Two Sold off Revolvng acount Mervyns and JC Pennies... the collection have long fallen off but the OC are still there. They dont really show me owning anything since they were sold but they do help my averge age for scores "look Longer" should I leave them or DV them to get them off.

I have 3 other DV letter so to write one regarding a Pinical credit Agency for a verizon bill that is due to fall Aug 08.

Calalry Portofilio- Best Buy OC. i bought a camera in 2002 we got home it didnt work. We returned it, and canceled the check because they wanted us to WAIT 5-6 weeks to get a refund... umm no. I have no documentation of the return or cancelled check but they have me for a bounced check even though they got the defective merch back- No idea how to proceed.

Reliant Recovary- Dental Bill from 2004- Pay for delete Sent. Ive done this before and they denied me but that was along time ago they may now right??

my UTI was 50% last month when getting on here Ive gotten it down to 46% this month yippy any! I have a whopping 5k CL and its taken me 2 years and like 6 card to even get this.

TONS of Inq without PP should I even bother or just let them fall!

ANy Help????

Thanks a million in advance

jesedmotherof5 (well 6 if you include hubby) Trying to fix his messy Cr too!

[Jesedmotherof5]

Bump... i know its long but any help would be apprciated.

[Anonymous]

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Jesedmotherof5 wrote:

Okay Ive been monitoring my credit for EVER but only recently started reading these forums to start doing something about it I found Several things that were disputed ANY help will be greatly apprciated on the next step as I try very hard to wait for things to get better.

OSI (Medical )collection- Paid in full by me- The problem here is that I had insurance I sent all the documentation to the collection agancy and they sent me a letter saying your acount has been paid in full.... (yes I know it has i did it in 2006) Geesh thanks for your help. It was deleted from EQF, not the others

You might either contact the CA or dispute with the CRA. I know that TU online dispute has an option to check "paid by insurance". I doubt the CA would even respond if you disputed.

Ford GW for three 30 day lates in 2003- Returned Letter undeliverable...

Lates over 2 years old have little effect, if any. Ford is not GW friendly from what I've read.

Pleasant HILL rec OC- Paid in full 2006. It says Date opended 2002 but I know it has to be earlier then that because its a day care bill for my now 13 year old and he was at least in 1st or 2nd grade. GW them anyway hoping it would come off- No answer_

Is Pleasant Hill the OC? There should be a DOFD listed or "this item will be removed XXXX"  Where did you get your reports? You can pull your free one through www.annualcreditreport.com or call the CRA and ask for this information. Make certain you tell them you are only wanting information about the account, you are NOT wanting to dispute.

Benifical Loan Sold to Fan Distribution 2000 DOFD found on an old credit report- Deleted On EQF, EXP but TU sends me a letter saying I just bought them 15 extra days becasue I supplied them with updated information (whihc I didnt it must have been for another dispute as i did them Indiv) Should I call them? Score dropped 1 POINT after getting this removed... Kinda disapointed that was all since it was up to 30k with fee's ect. 

If you open another dispute, they can extend the time on already open disputes. If 2000 is DOFD, account should be removed. I wouldn't call them until the time limit runs out. Was it your oldest account or near oldest? Could be the reason for the 1 point drop.

Two Sold off Revolvng acount Mervyns and JC Pennies... the collection have long fallen off but the OC are still there. They dont really show me owning anything since they were sold but they do help my averge age for scores "look Longer" should I leave them or DV them to get them off.

No clue, sorry someone else will answer this one.

I have 3 other DV letter so to write one regarding a Pinical credit Agency for a verizon bill that is due to fall Aug 08.

Calalry Portofilio- Best Buy OC. i bought a camera in 2002 we got home it didnt work. We returned it, and canceled the check because they wanted us to WAIT 5-6 weeks to get a refund... umm no. I have no documentation of the return or cancelled check but they have me for a bounced check even though they got the defective merch back- No idea how to proceed.

If you did a stop payment then your bank will have record of this. Does Best Buy register returns in their computers by customer name?

Reliant Recovary- Dental Bill from 2004- Pay for delete Sent. Ive done this before and they denied me but that was along time ago they may now right??

my UTI was 50% last month when getting on here Ive gotten it down to 46% this month yippy any! I have a whopping 5k CL and its taken me 2 years and like 6 card to even get this.

TONS of Inq without PP should I even bother or just let them fall!

How old are they? Are they hard or soft inquiries? After 1 year, inquiries have no effect.

ANy Help????

Thanks a million in advance

jesedmotherof5 (well 6 if you include hubby) Trying to fix his messy Cr too!

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[Jesedmotherof5]

Thanks sidewinder

 I got my report for free at the begin of the year and disputed they verified that they already did research on this account and it came back as verified and updated to say paid.

I wont dispute with the CRAs till time is up but I will rewrite, I guess a good will letter to the CA with the supporting documentation that I had insurance at the time of the bill again and see if it works.

I have no idea which bank I was with in 2002 Ive had several changes... I got a letter from Calvary after disputining with the CRA at the begin of the year wanting all of this documentation to prove it was fraud on my act and I couldnt even fill it out because I dont remember must of it since it was so long ago.

The Phill rec is the OC- I sent them a goodwill to see if they will take it off completly as is DOFD says 8/2002 on the report.

Oh one more thing I just paid the department of education as it was the most recent addition on my report. The check just cleared should I dipute it on the credit report to try and get it updated to paid or deleted ? Im thinking they would be HARD to get off because its a gov agency but will it make a differnce?

 I think all of the INQ are hard as they say they will be on for at least a year.

My scores are 624, 613 EQ 626 TU will it even make a differnce if I dispute them?

[Anonymous]

Pleasant HILL rec OC- Paid in full 2006. It says Date opended 2002 but I know it has to be earlier then that because its a day care bill for my now 13 year old and he was at least in 1st or 2nd grade. GW them anyway hoping it would come off- No answer

         Instead of disputing    first send a DV  CMRRR       they might not have the info. and either not answer the DV or they might delete    they have 30 days.

         IF no answer to the DV...dispute with all CRAs that are reporting!

send all copies of DV letter  copy of GG  cert.paper and the NO responsive letter.

Two Sold off Revolvng acount Mervyns and JC Pennies... the collection have long fallen off but the OC are still there. They dont really show me owning anything since they were sold but they do help my averge age for scores "look Longer" should I leave them or DV them to get them off.

           IF this is reporting....charged off/   no matter that the Bal $0     it is hurting you!!  does it show any CO.....or derog.wording?         If it doesn't and just shows    closed/  Bal $0    then leave it.

           Look for the DOFD/DOLA       will remain on CR untill month/year    or call the CRAs and ask for the drop date.     You need to know before doing anything.      If you dispute it and it isn't past CRTP or close to it   a dispute will update! 

I have 3 other DV letter so to write one regarding a Pinical credit Agency for a verizon bill that is due to fall Aug 08.

              I would just let them drop!

Calalry Portofilio- Best Buy OC. i bought a camera in 2002 we got home it didnt work. We returned it, and canceled the check because they wanted us to WAIT 5-6 weeks to get a refund... umm no. I have no documentation of the return or cancelled check but they have me for a bounced check even though they got the defective merch back- No idea how to proceed.

             This is not easy to do because you have no proof that you mailed it back. First I would try & contact the OC and see if they have a record of receiving the camera back.......if they did have them send you a letter stating that!  without that I can't see how you can profe it.  sorry

Reliant Recovary- Dental Bill from 2004- Pay for delete Sent. Ive done this before and they denied me but that was along time ago they may now right??

                What is your SOL?   Bypast the CA   contact the dentist   if they still own the account  pay them.......Wait till the check clears and then DV the CA.....................If the dentist SOLD the account    then you must deal with the CA    DV CMRRR         Always DV before sending a PFD!

my UTI was 50% last month when getting on here Ive gotten it down to 46% this month yippy any! I have a whopping 5k CL and its taken me 2 years and like 6 card to even get this

                  Pay down as fast as you can. CC  UTIL counts more toward scores then any other type of loan.