HELP

[newmom24]

Please advise what I should do. I am trying to increase my scores.

I have several small collection accounts. I've attempted PFD and I've had no success. My outstanding accounts are minimal so I am paying them. They are for $75.00, $96.00, and $147.00.

I had a Spiegal card with a balance $665.00. The DOLA was 3/2003. Midland purchased debt and started listing as 120 days past due as of 2/2008 with a balance of $643.00 - What should I do?

I've paid a WFFNB/Victoria Secret's card off. DOLA 6/2004. I settled for 50% 190.18. That was in June 2007. When I pull my reports it shows the current status of 120 dys past due. If I dispute is there a chance this could be changed in a positive direction - or the whole TL removed from my credit report???

[Anonymous]

I would be afraid to pay off without pfd...what cas are they?

For WFFNB, my report showed three accts (Raymour & Flanigan) and two duplicate entries.  I called them and told them there were discrepancies in their reporting and they quickly offered to remove the TL!!!