Hello, great forum here I just signed up and got my "MyFico" score and it's TU-657, EQ-665, EX-638. I had a MBNA CC back in '95 when I was in College. It had a $500 limit. I paid the minimum for a year or two then missed some payments. Most activity was pre-2000. Now I check my credit report and it says I was on time paying during 2004, then late 30, 60, and 120 days in 2004. I know the last time I sent a payment was in 2001, **maybe** 2002. Why does it say I was on time a few months in '04?? I don't believe the reporting on my credit reports to be accurate. I sent a letter to the CCs requesting they provide evidence to support the information they are reporting but all I got back was some standard form letters stating the total amount of the debt and the same payment history that is reported on my credit report. Essentially the run around. I have a small auto loan for my wifes car which I've been on time paying every month for the past year. Other than that I haven't had much credit activity since I was 18, 12 years ago. I own several cars and a house outright, paid cash for everything. I would like to get my credit in good shape in the event that I need it in the future it's there. I am planning no major purchases in the near future that would require financing. My question is: There is so much info out there in the internet regarding the correction of credit reporting I don't know where to begin. I also don't have the time to research and learn all there is to know. Should I just hire an attorney to investigate the matter? If so what kind of attorney should I hire? Also, I have a complete lack of revolving credit on my credit report. The only current activity is a small auto loan. I always use a Debit card whenever I shop but that does my credit situation no good. I am thinking I would like to apply for a CC and leave only a small balance at the end of each month to improve my credit score. Is there any particular CC I should apply for? Thanks a million,
