Hi
I have some questions regarding my credit file.
I have 2 revolving accts that state they are closed but in good standing. If they are closed then why the heck are they still there and these are credit cards in which I never used so why are they even posted on my report and are they doing me more harm than good?should I see about getting them removed or leave them there?
I have 1 revolving acct that states it is not rated. I was an authorized user on the acct. it says A settlement was accepted is there any way for me to have this removed from credit file?
I have 1 open Installment it says collection acct. but it is actually a old phone bill like 4 or 5 yrs old( installment is usually in regards to a loan or something of that nature correct yes / no) this one is dated ...Date opened 01/2007..Begin balance date 05/2007.
These dates are not accurate and so Im wondering if this could be grounds for removal of the collection from my credit file.
Dont get me wrong I plan on paying what I owe and that is one of the reasons I applied for my loan ( so I can pay off past/current debt) but I was hoping if I could get any of the accounts removed then that would be one less item that doesnt look bad for my credit file. But I figure if I dont get it paid then sooner or later it will come back to haunt me . so in no way am I trying to get out of paying my debt Im trying like heck to rebuild my credit.
thank you for any advice I look forward to your opinions
Thank you
Stephanie