I dont know if i can list the creditor or not
mods please delete the creditor name if needed
about 3 year before paid to delete was in my vocabulary
I did a settlement over the phone with finger-hut
its a very small bill under 200.00 not even sure what i still owe
credit report is showing high balance 130.00 balance 0 this was done in 2006
but it showing lates and listed a collection/bad debt
paid for less then balance
If i send a pfd letter for 130.00 to get it removed do you think they will go for that ?
also credit union loan. its showing last activity on Dec 03
I know that is not the date of first late
I settled that for 1000.00 they wrote off 400.00
date of the first late is way over 7 1/2 years
do you think if I send pfd letter for 400.00 that would work after the first of year
I disputed this with the credit bururars and pulled my report today
it was showing 3 lates now ITS SHOWING 21 LATES IN THE 90 DAY COLUMN for 2007
I pulled the last report 11/29 it was 3 lates it showed 1 30 1 60 1 90
how is that even possible it was opened in 2000 closed in dec 2003
i called them today because im way over the sol so im not afraid of them, but they gave me a name of the credit agency that is not on mine or my wife's report, so i called them they told me I am not on the account they have no record of me
on the credit report it listed as joint for the credit union, they told me to call the credit union and tell them to remove it from file
Maybe the 21 lates is just a data entry but its needs to get fixed now im showing 30 lates
I guess i just need to sit back and wait for all three credit burers to send me a updated credit report when they get done with there reinvetgation
