Help With My Credit Repair!

[Anonymous]

Hello everyone, I have a few negatives on my credit report that I would love to see completely removed, they are not big debts or anything but any advice on the best way to tackles these would be greatly appreciated. Thank You!

Midland Funding *Paid* (2014)

Midland Funding- Owe $587 (Dont want to pay them a dime if I dont have too) (2015)

Credit One Bank (Charge Off, 2015)

Capital One (Charge Off, 2010)

Nelnet- Account current but has 2 120+ late payements on it) (2011)

Nelnet- Account current but has 2 120+ late payements on it) (2011)

Nelnet- Past Due (Closed/Transfered, 2010)

EQ- 626

TU- 635

EX- 607

[Anonymous]

Midland Funding- Owe $587 (Dont want to pay them a dime if I dont have too) (2015)

An item shown as ZERO on your reports is always better than an item shown with a BALANCE. Unless we are both advised otherwise by gurus in these forums, dealing with the above $587 should be a priority. Good luck on your goals.

[Anonymous]

I understand! I sent them a PFD a week ago and waiting for their response...by the way, I just checked my report and Midland just changed the date of last actviity, is that legal?

[Anonymous]

Date of Last Activity (DoLA) has isn't important. If they try to change the Date of First Delinquency (DoFD) that's another thing. That's the important date

[Anonymous]

Oh ok I understand now, Thank You! They also are reporting a past due amount and 120+days past due, Factoring company account. For some reason that is screaming illegal too me. Can they do that?

[Anonymous]

Can Midland report as the Original Lender? Thats the case on EQ and Credit One is the Collection Agency on EX

[RonM21]

On anything not paid, try a PFD, like the one you have in progress. On the lates, you can try to send GW letters for deletion. This goes for any accounts paid already but are reporting also.

[Anonymous]

Bump

[fltireguy]

OP, I would highly advise NOT to contact the spammer... you can do it yourself, with the help of others on here, better, and for FREE. Don't pay money for something you can do yourself

[Anonymous]

Oh I know, I don't fall for these things, I already reported the post. Thanks for letting me know though!