Ok, two years ago my score was 650. Not with FICO score watch its 440. So sad.
Maybe you can help.
On equifax it shows
Progressive 78.00 DO 6/03 Bal Date 6/07 collection
TU
Charter Comm - Open act DO 08-02 Bal Date 07/05 Bal Amt 0 Collection Comments paid collection
(Shouldn't this say closed account in order for it to fall off in the 7 years?)
Sprint (Exp) DO 12/03 (TU) DO 12/03
Bal Date 01/08 Bal Date 12/07
Installment Open
$235 $235
Collection Collection
Under dispute DOLA
Experian
GEMB/Dillards Revolving
DO 05-1996
BAL Date 05-05
Bal Amount 1,207
Collection
Last Rep Del 05-05 =R Charge Off
(The last time I used this card was like 98 and I send a dispute saying I had a 1998 copy of
exp. report and the Bal Date said 1998. Do you think they will take this off? They keep changing the
Bal. Date on me.
TU Med 1 TX Trauma and ER Collection account
Account open
DO 09/06 DOB 10/06 Bal Amt $172 Collection
This is my big problem what to do with this one.
TXU Energy Open account
Date open 04/99
Bal Date 07/05
Bal Amount $690
Acct Status - as agreed
Past due $0
Current Account
This account with TXU used to be collection now it says current. If I ever dispute it it could cause me harm, but on the other hand if it says open account will it stay on here forever? What can I do?
WCTXCOLL Med Pathology
Open Account
DO 12/03
Bal Date 05/04
Bal Amount $70
Collection
Sorry about the abbreviations. I'll Do my homework tonight. Should I pay most of these off?
Thanks for your help.
Message Edited by wantingbettercredit on
01-29-2008 05:58 PM
