which letter to which CA? I need help!!!!!!!

[momof2]

Here is a brief outlook of my credit report, I need help w/ trying to figure out which type of letter i need to send to each of these CA so i can get my score up.

1.)Figi's Inc (OC): Balance; 0, high balance $18, date open 12/03 date closed 8/04, pymt after C/O date to be removed 3/2011---this was a small amount of money i have called and asked for them to delete they refuse, should i send a GW letter or not even bother since my phone call did no good for me?

2.)CMRE Financial (CA): balance;$325, OC EPMG, date placed in collection-4/2004, date updated 2/2006, date to be removed 09/2010- this is medical, but dont remember what services were rendered, i have no bill so i dont know date of service, where the service was at and what services were for. what type of letter?

3.) Daniels jewelers(OC): balance; 0, date open;12/2002 reported 01/2003 last reported 2/2003, but trans union says last updated 09/2005, equifax says charge off, but other 2 reports say paid/closed at comsumers request., what do i do with this report? what type of letter i mean?

4.)California business bur(CA): balance 0, date opened 9/2003, date last reported 1/2004, this is also a medical bill GW letter?

5.)Grant & weber(CA): balance $546 date opened 7/2004 last reported 7/2007,  also a medical bill, again dont know what for when services rendered and what services provided. what letter?

Also i had 2 accounts with daniels jewelers, the one that says charge off on equifax remains on equifax, this one was last reported to all 3 credit agencies at the same time, however one of the accounts was deleted from experian and trans union but not equifax, why would they allow it be deleted from 2 agencies but not the 3rd one? Should I write them a letter saying they allowed it to be deleted from 2 reports but left it on 1 and ask them to delete it also, or would i be opening a can of worms cause the 7 years isnt up for 3 more years. or if they accidently deleted the one from the 2 agencies could they put it back on the reports cause the 7 years isnt up yet? I hope you understand what i am asking, sorry if this is confusing and so darn long. thanks in advance for help

[Anonymous]

I'm really interested in how this turns out.  I have a $36 balance from Figi's that's in collections.   I also asked them to remove the baddies off my reports if I paid, and they also refused.  I'll be sending a GW letter by this weekend.

Considering that their food sucks and I got rancid peanut brittle from them (hence why I didn't pay), they should be lucky to get any money from me!

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momof2 wrote:

1.)Figi's Inc (OC): Balance; 0, high balance $18, date open 12/03 date closed 8/04, pymt after C/O date to be removed 3/2011---this was a small amount of money i have called and asked for them to delete they refuse, should i send a GW letter or not even bother since my phone call did no good for me?

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[Anonymous]

1.)Figi's Inc (OC): Balance; 0, high balance $18, date open 12/03 date closed 8/04, pymt after C/O date to be removed 3/2011---this was a small amount of money i have called and asked for them to delete they refuse, should i send a GW letter or not even bother since my phone call did no good for me?

           Mail them a PFD to the address on CR.......thell them that you didn't know that you had a bal until you pulled you CR

2.)CMRE Financial (CA): balance;$325, OC EPMG, date placed in collection-4/2004, date updated 2/2006, date to be removed 09/2010- this is medical, but dont remember what services were rendered, i have no bill so i dont know date of service, where the service was at and what services were for. what type of letter?

         First contact the OC  and get as much info. as you can........I wouldn't say a word about the CA

 It is better to pay the OC if you can!!    work on the CA  much later

3.) Daniels jewelers(OC): balance; 0, date open;12/2002 reported 01/2003 last reported 2/2003, but trans union says last updated 09/2005, equifax says charge off, but other 2 reports say paid/closed at comsumers request., what do i do with this report? what type of letter i mean?

     did you pay this???   or was it COd?  

4.)California business bur(CA): balance 0, date opened 9/2003, date last reported 1/2004, this is also a medical bill GW letter?

          was it paid? 

5.)Grant & weber(CA): balance $546 date opened 7/2004 last reported 7/2007,  also a medical bill, again dont know what for when services rendered and what services provided. what letter?

What is you SOL??

#3   paid closed on EQ and EX  is good   TU CO  not good  BUT  if it was COd and you contact them they might change the 2 showing as good to CO   that would hurt big time!

[momof2]

both figi's and daniels jewelers show on my CR reported by them not a CA, both of those accounts have a $0 balance as I did pay them, i dont owe them anything, all the other items are medical bills, that i have not paid except california business bur which also has a $0 balance,

   so which letters should i send to who? i am guessing a gw to daniels, figi's and cali business since those accounts are paid off and a pfd for the other medical bills?

   Also if i send a pfd will they except a payment plan or will they require the balance in order to delete??

[momof2]

I'm really interested in how this turns out.  I have a $36 balance from Figi's that's in collections.   I also asked them to remove the baddies off my reports if I paid, and they also refused.  I'll be sending a GW letter by this weekend.

Considering that their food sucks and I got rancid peanut brittle from them (hence why I didn't pay), they should be lucky to get any money from me!

          With your situation i am not sure how it would turn out, with mine though, the account is paid I dont owe them anything asi paid a few years back, i am just trying to find out that since the original balance was only $18.00 (that i paid) could be removed by sending them a gw.

[Anonymous]

Try the GW letter.  They might agree to take it off your reports (hopefully).

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momof2 wrote:

          With your situation i am not sure how it would turn out, with mine though, the account is paid I dont owe them anything asi paid a few years back, i am just trying to find out that since the original balance was only $18.00 (that i paid) could be removed by sending them a gw.

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