Hi vesper, welcome to the forums. Your post is very hard to read many people will bypass it. Try to break it up & list everything seperate. check out this link it has the abbrevs that we use and freq.requested threads that is loaded with info.
Im going to try and answer some of your questions if I miss anything just ask again.
Before doing anything you should know....your SOL
The diffenence between CRTP and SOL
The dates are very importand DOFD/DOLA these are set by the OC!!!
#1 you dispute with the CRAs only
#2 You DV CAs only
Some people think that they should dispute everything on there CR....untrue!!
There are times when you would send a DV before any dispute.
Currently my FICO is EX: 629 EQ: 631 TU: 655
not bad
debt to credit ratio
D/R includes everything coming in & going out! someone else needs to answer student loans. I do not know that much about them. BUT usually you can send GW to anyone that you paid or for late payments.
What is your SOL?
Midland: Is the OC still reporting? If so what is the drop date on CR or DOFD
Is DOLA: Nov, 2002 reported by OC or the CA? Did you stop paying in or before 2002?
2. Palisades Collection for AT&T Wireless (so weird, since I still use AT&T wireless and pay my bills) DOLA: June 2004 Past Due Amount:
Palisades are barfbags send them a DV letter CMRRR this prob. doesn't belong to you.
Also this is covered by Federal SOL (2years)
3. Triad Financial (this was my car loan and I paid it off in Dec. 2006
This should be reported as closed! send GW letters for late pay.
4. Capitol One: I settled this account and the current status says Bad Debt / Collection. DOLA: July 2003 ( Im guessing that this is when you paid........they usually never accept GW but try anyway.
Look at your CR TU and EX look for *will remain on CR until month/date may be different wording but meaning is same That is when it will drop off.
1. Comcast: Balance $30 Status: Paid DOLA: June 2002
This will drop from CR in 2009 I need to know your SOL
Doctors: (I have never received anything from the collection agency “848ya00000” and I am assuming it is because I moved from VA to CA after I lost my job due to 9/11) Balance $105 DOLA: Nov, 2001 Should I just let these two go and wait for them to disappear after the 7 year mark? Or should I write to them a letter saying I will pay them if they remove it from my credit report?
I believe that all medical should be paid BUT thats only my opinion.........This is past SOL in both Va and Ca.........you can let it drop OR send a DV......if they answer and you want to....you can send a PFD.............always DV first!!
Capitol One: “Charged off as bad debt” DOLA: April 2005 (different from the date on EQ above) Date Closed: April 2004 Date Paid Out: April 2005 Largest Past Amount: $815 Account is Closed “Settled less than full balance
Look at CR for drop date....or call the CRA...............Because these dates are all different you might want to dispute with all CRAs and see what comes back
2. Providian...........be very careful of this.......they should be reporting settled for less & DOLA would be the date that you paid........The DOFD doesn't change from orig. if it was 2002 it will drop in 2009
check your CR for drop date or as with all of them call CRAs and ask.