Hello everyone....so glad I found this place, as I am down to about 4 strands of hair left on my head. Just kidding....but being a newbie, I am feeling a little overwhelmed! Here's what I got, and any inputs would be greatly appreciated. I've pulled all three of my reports, and was very surprised that they are all so different...especially the scores. Here are my current scores: Equifax- 482
Experian-525
Transunion-639
I know I've got alot of work to do, just don't know where to really start. Here's what I've got on my Equifax report. As far as collections, I have 4 PAID medical collections, and one from 2005 in the amount of 356.00. Should I send GW letters to the paid ones? And do I send them to the actual creditor or the collection agency??
On my credit accounts, I have a Capital One card back from 2002 that shows paid but also shows charged off. On another report,it shows that it was paid as a settlement, meaning that I did not pay the balance in full. That is incorrect. The account was turned over to Arrow financial, and I paid the balance to them, which was 614.50. I paid this on 12/29/2004. It was never my understanding that this was going to be a "settlement offer". What can I do about this? I have more questions, but don't want to overwhelm anyone.....
Message Edited by flygirl on
06-15-2007 09:00 AM
