10/10/11 @ MyFico.com: TU - 679 / EQ - 632 / EX - ???
07/12/11 @ MyFico.com: TU - 652 / EQ - 613 / EX - ???
I currently have 3 issue items on my credit report that I need some help with. Assuming a creditor will remove a CO account tradeline I am looking at doing the following:
1. CA (Allied Collection Group) for a $35 medical co-pay listed as collections on EX credit report only. Should I contact the OC and request that they remove the account from collections and PIF or should I offer the CA a PFD?
2. Verizon Wireless account which is a paid charge off listing on TU and EX only. MyFico report doesnt flag it as a negative indicator. I had sent the CEO two requests for a GW adjust via planetfeedback and I did receive a call from someone in regards to that although I had requested they remove the trade line completely they modified it to show it as open with a $0 balance with a current status of paid after charge off/collection. I will continue to send them GW letters requesting a complete removal of the trade line. Or should I just not even bother with this since its supposedly not 'negative'?
3. WFNNB/Crescent Jewelers. This is a charge off with a $667 balance. The reporting of this revolving account angers me to no extent. on my TU report its listed as 0 30/60/90 lates and just a regular charge off with a balance. On my EQ and EX reports however its listed as 4 30 days late / 4 60 days late / and 22 90+ days late!!! This trade line is murdering my payment history! The last update to the payment history was this month however the date of last activity is listed as july of 2008? This account confuses the hell out of me. This is my largest set back on my EX/EQ scores but doesnt seem to bother my TU scores much. Should I attempt a PFD on this account? Try a DV followed by a PFD or just pay and GW for an early drop off?
The myFico score simulator says to pay down on my revolving accounts which #3 is listed as... maybe through payment alone on that debt I can increase my scores?
Some advice for the 3 issues would be much appreciated. Also Im not even sure how to find out when the items are supposed to fall off! I had read it was 7 years from the first 30 day late that you never recovered from... is that the case or is it a different date all together and how do I find that date when looking at the additional information of the trade line on myfico report?
Also, if they refuse to do a PFD should I just pay or continue sending them e-mails and letters until they finally agree just to shut me up? Im not really in need to boost my scores for any large purchase in the coming year... just thought it would be a good project for me to work on while Im in Afghanistan (I got nothing but time lol). Thanks for your responses (in advance)!
Starting (01/01/11) : Approx 520
I appreciate the response! I have looked at my annualcreditreport.com (TU) report and it has the following information:
Adverse Accounts:
Verizon Wireless (Date item will be removed 08/2013)
WFNNB/CRESCENT (Date item will be removed 06/2015)
I have read through the HIPPA method and might possibly use it after I speak with the CA tomorrow.
As for the verizon one, since its not flagged as negative (but listed as adverse on my credit report) is it really worth my time to persue? I guess im asking if it actually is impacting my score but just not flagging as negative?
WFNNB, I completely agree that the debt is valid so I should probably just attempt the PFD without DV.
As for util. I have 1 revolving account really, and thats a credit card being used at 2% util. The WFNNB account is listed as revolving and I suppose is making things difficult as the collection is roughly 50% of the high balance. Is the charged off WFNNB effecting my overall util?