Need All the Help I Can Get

[Anonymous]

Hello,

Thanks to a very unstable marriage and now divorce, I have ruined my credit. It is a shame at age 31 I now understand the importance of having good credit and now I need support to get it back into shape. A week ago I disputed all inaccuracies on my credit reports and have sent Pre-HIPAA letters regarding two medical collection accounts today. A few days ago I sent out PFD letters to two credit card companies. What else do I need to do now to help my credit besides pay off as much as possible which is what I am currently doing?

Yesterday, I received the first good news which is that my credit score went up 40 points so I am definitely going in the right direction. Any and all support will be highly appreciated.

[Anonymous]

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WANT_MY_DREAM_HOME wrote:

Hello,

Thanks to a very unstable marriage and now divorce, I have ruined my credit. It is a shame at age 31 I now understand the importance of having good credit and now I need support to get it back into shape. A week ago I disputed all inaccuracies on my credit reports and have sent Pre-HIPAA letters regarding two medical collection accounts today. A few days ago I sent out PFD letters to two credit card companies. What else do I need to do now to help my credit besides pay off as much as possible which is what I am currently doing?

Yesterday, I received the first good news which is that my credit score went up 40 points so I am definitely going in the right direction. Any and all support will be highly appreciated.

---

We need dates in order to try to help!!!

Never disput if there are other options!   CCC reporting a CO  usually will not accept a PFD!

What is the DOFD/DOLA on the COs      are CAs reporting along with the OC?

[angelalala]

I'm doing the same things. 

Some other things I've done/am doing:

- Sending goodwill letters re: some late payments

- Got a credit card, which I pay off every month (I'm going to get another, possibly 2?)

- Paying off collections, which doesn't raise my score but I hear looks good?  I will also beg to have them deleted after they're paid. . .can't hurt to try I guess.

[Anonymous]

Sorry, I meant to say that I sent the two CCCs GW letters. The following is a copy of the derogatories on my credit report.

FIRST PREMIER BANK (SENT GW letter - Account Not closed as reported)

Account No.: 517800781617**** 517800781617**** 517800781617****

Condition:

Closed Closed Closed

Balance:

$462 $462 $462

Type:

Credit Card Credit Card Credit Card

Pay Status:

Late 90 Days Late 90 Days Late 90 Days

Past Due:

$100 $100 $100

High Balance:

$462 $462 $250

Limit:

$250 $250

Payment:

$25 $25 $25

Opened:

09/26/2007 09/2007 09/2007

Reported:

08/27/2008 08/27/2008 08/2008

Responsibility:

Individual Individual Individual

Late Payments (last 7 years):

30 Days Late: 2 2 2

60 Days Late: 1 1 1

90 Days Late: 0 1 0

Two Year Payment History:

Remarks:

[TransUnion] Canceled by credit grantor

[Experian] Account has been closed due to inactivity.

[Equifax] Accounts closed by credit grantor Credit card

[Anonymous]

Here are the rest:

CARECRD/GEMB (now settling - no CA so cannot PFD)

Account No.: 60191818**** 60191818**** 60191818****

Condition:

Derogatory Derogatory Derogatory

Balance:

$3402 $3402 $3402

Type:

Charge account Charge account Charge account

Pay Status:

Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Past Due:

$1368 $1368 $1368

High Balance:

$3402 $3402

Limit:

$3000 $3000

Payment:

$120

Opened:

01/12/2006 01/2006 01/2006

Reported:

07/12/2007 07/12/2007 07/2007

Responsibility:

Individual Individual Individual

Late Payments (last 7 years):

30 Days Late: 1 1

60 Days Late: 1 1

90 Days Late: 3 4

Two Year Payment History:

Remarks:

[TransUnion] Charged off as bad debt Profit and loss write-off

[Experian] Unpaid balance reported as a loss by the credit grantor.

[Equifax] Charged off account Charge

TARGET N.B. (now settling - no CA so cannot PFD)

Account No.:

33231**** 33231**** 33231****

Condition:

Derogatory Derogatory Derogatory

Balance:

$634 $634 $634

Type:

Charge account Charge account

Pay Status:

Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Past Due:

$634 $634 $634

High Balance:

$634 $200

Limit:

$200 $200

Payment:

$0

Opened:

03/08/2005 03/2005 03/2005

Reported:

08/14/2008 08/14/2008 08/2008

Responsibility:

Individual Individual Individual

Late Payments (last 7 years):

30 Days Late: 2 1

60 Days Late: 1 1

90 Days Late: 2 3

Two Year Payment History:

Remarks:

[TransUnion] Charged off as bad debt Canceled by credit grantor

[Experian] Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor.

[Equifax] Charged off account Accounts closed by credit grantor

THD/CBSD (ex-husband acct. - authorized user)

Account No.:

603532017885****

Condition:

Open

Balance:

$3616

Type:

Charge account

Pay Status:

Current

Past Due:

$0

High Balance:

$4322

Limit:

$4000

Payment:

$140

Opened:

11/10/2004

Reported:

08/16/2008

Responsibility:

Authorized User

Late Payments (last 7 years):

30 Days Late: 0

60 Days Late: 0

90 Days Late: 0

Two Year Payment History:

Remarks:

[TransUnion]

[Experian]

[Equifax]

[Anonymous]

The last part...I promise:

 

THD/CBSD (PAID - Requested deletion in dispute to CRA)

Account No.:

603532048852**** 603532048852**** 603532048852****

Condition:

Closed (Paid) Closed (Paid) Closed (Paid)

Balance:

$0 $0

Type:

Charge account Charge account

Pay Status:

Current Current Current

Past Due:

$0

High Balance:

$1231 $1231 $1000

Limit:

$1000 $1000

Payment:

$0

Opened:

06/03/2004 06/2004 06/2004

Reported:

08/13/2008 04/12/2008 08/2008

Responsibility:

Individual Individual Individual

Late Payments (last 7 years):

30 Days Late: 4 4 4

60 Days Late: 2 2 2

90 Days Late: 5 5 5

Two Year Payment History:

Remarks:

[TransUnion] Canceled by credit grantor

[Experian] Account has been closed due to inactivity.

[Equifax] Closed or paid account/zero balance Accounts closed by credit grantor

CHLD/CBSD (PAID - Requested deletion in dispute to CRA)

Account No.:

601164420046**** 601164420046**** 601164420046****

Condition:

Closed (Paid) Closed (Paid) Closed (Paid)

Balance:

$0 $0

Type:

Charge account Charge account

Pay Status:

Current Current Current

Past Due:

$0

High Balance:

$346 $346 $200

Limit:

$200 $200

Payment:

$0

Opened:

09/27/2003 09/2003 09/2003

Reported:

08/06/2008 12/21/2007 08/2008

Responsibility:

Individual Individual Individual

Late Payments (last 7 years):

30 Days Late: 3 4 4

60 Days Late: 2 2 2

90 Days Late: 2 2 2

Two Year Payment History:

Remarks:

[TransUnion] Account information disputed by consumer, meets FCRA requirements

[Experian] Customer disputed account - reported by subscriber.

[Equifax] Consumer disputes this account information Closed or paid account/zero balance

FST PREMIER (Lost card on old account - requested deletion by CRA)

Account No.:

543362875351**** 543362875351**** 543362875351****

Condition:

Closed (Paid) Closed (Paid) Closed (Paid)

Balance:

$0 $0

Type:

Credit Card Credit Card

Pay Status:

Current Current Late 30 Days

Past Due:

High Balance:

$392 $392 $250

Limit:

$300 $0

Payment:

$0

Opened:

11/30/2002 11/2002 11/2002

Reported:

01/03/2007 11/01/2003 12/2004

Responsibility:

Individual Individual Individual

Late Payments (last 7 years):

30 Days Late: 2 1 1

60 Days Late: 0 0 0

90 Days Late: 0 0 0

Two Year Payment History:

Remarks:

[TransUnion] Account closed by consumer

[Experian] Credit line closed - consumer request - reported by subscriber.

[Equifax] Account closed by consumer Closed or paid account/zero balance

HSBC BANK (Lost Card - Requested deletion in dispute to CRA)

Account No.:

544045500088****

Condition:

Closed (Paid)

Type:

Credit Card

Pay Status:

Current

Limit:

$0

Opened:

08/2000

Reported:

05/07/2003

Responsibility:

Individual

Late Payments (last 7 years):

30 Days Late: 0

60 Days Late: 0

90 Days Late: 0

Two Year Payment History:

Remarks:

[TransUnion]

[Experian] Account was in dispute - now resolved - reported by subscriber.

[Equifax]

HSBC BANK (Just Settled for $580 - Requested deletion in dispute to CRA)

Account No.:

54404550**** 544045500221**** 45500221****

Condition:

Closed Closed Closed

Balance:

$1113 $1113 $1113

Type:

Credit Card Credit Card

Pay Status:

Late 90 Days Late 90 Days Late 90 Days

Past Due:

$36 $36 $36

High Balance:

$1113 $1113

Limit:

$490 $490 $490

Payment:

$38 $38 $38

Opened:

08/16/2000 08/2000 08/2000

Reported:

07/31/2008 07/31/2008 07/2008

Responsibility:

Individual Individual Individual

Late Payments (last 7 years):

30 Days Late: 6 4 6

60 Days Late: 4 1 4

90 Days Late: 2 1 2

Two Year Payment History:

Remarks:

[TransUnion] Dispute resolved; reported by grantor

[Experian] Account was in dispute - now resolved - reported by subscriber.

[Equifax] Accounts closed by credit grantor Amount in H/C column is credit limit

PROVIDIAN (PAID - Requested deletion in dispute to CRA)

Account No.:

190105**** 190105****

Installment A ccounts:

Accounts comprised of fixed terms with regular payments

Condition:

Closed (Paid) Closed

Balance:

$0 $0

Type:

Credit Card

Pay Status:

Collection/Chargeoff Current

Past Due:

$0 $0

High Balance:

$889

Limit:

$889

Payment:

$0

Opened:

05/2000 05/2000

Reported:

11/19/2003 11/2003

Responsibility:

Individual Individual

Late Payments (last 7 years):

30 Days Late: 3 3

60 Days Late: 1 1

90 Days Late: 6 6

Two Year Payment History:

Remarks:

[TransUnion]

[Experian] Purchased by a another lender. Unpaid balance reported as a loss by credit grantor.

[Equifax] Accounts closed by credit grantor

CITI (PAID - Requested deletion in dispute to CRA)

Account No.:

54241803****

Condition:

Open

Balance:

$0

Pay Status:

Current

Past Due:

$0

High Balance:

$300

Payment:

$0

Opened:

05/1997

Reported:

12/2003

Responsibility:

Individual

Late Payments (last 7 years):

30 Days Late:

60 Days Late:

90 Days Late:

Two Year Payment History:

Remarks:

[TransUnion]

[Experian]

[Equifax] Consumer disputes this account information

[Anonymous]

Yes, I purchased a car in March 2008 and have made all timely payments. Plus, I have student loans which I am repaying so once I get the collections and old stuff deleted or $0 balance I should see my score go up significantly. As a matter of fact, with the help of the board I know I can do it.