New here and need some advice. Think I made some mistakes already...

[Anonymous]

Hi everyone!

First, let me say how thankful I that I signed up for Score Watch and then found this message board! Great advice here. 

Now, I jumped the gun before I signed up here and went crazy disputing my CR postings ONLINE. I read somewhere to dispute everything and to it online. Don't know where I saw it, but that ball started rolling and I can't stop it.

I have a lot of work to do; 7 bad accounts and 3 collections. Most are small, under $300.00 and some have a zero balance.. One large one from an apartment complex we lived in 3 years ago. I have 2 public records from a NJ County Clerk office for traffic violations years ago and I DID NOT dispute them. They were for 250 each and both were paid. I was thinking about sending a GW letter to the clerk's office and seeing what that would do.

The one I'm really worried about was a car loan back for 2000-2004 that had 3 30-day lates and 1 60-day late. I disputed that online and probably shouldn't have. Should I try to send a GW letter or wait for the results of the online dispute?

I guess I have the credit repair fever and need some consolation while waiting! Any thoughts on where I should go from here?

I'm starting this process with a 574 FICO from Equifax. Will pay for my TransUnion score next month. 

[Lel]

Are you saying that you are disputing legitimate negative entries on your credit report?  That is, you are actually responsible for these late payment and collection accounts? 

[Anonymous]

Unfortunately, yes. I had a family member give me some bad information and then I did a little internet searching on it and got more bad info. Some of the disputes were valid, such as an account from a gas company where I never lived and my name misspelled on one report. I would say half were valid disputes. So, how bad off am I? Is there any steps I could take to rectify the damage?