Trying to removed credit by PFD, Jack method, or any other ideas!

[ericj]

Hello,

 

New to this and have little understanding of what I need to do next. I've ready the Jack method, PFD method (which I've tried) and wondering what you all would do in my situation.

 

I'm trying to remove these from my credit report:

 

AMEX "Amount Past Due: $335 (charge off)" - I tried a PFD letter on this one, but they replied with a bogus "we have verified the debt" letter

AMEX "Account legally paid in full for less than the full balance"

BOA "Account legally paid in full for less than the full balance"

Bloomingdales "Account legally paid in full for less than the full balance"

 

All these are from 2010.

 

Current Quizzle/Equifax Credit Score: 643

 

What advice do you fine people have to help remove these? Or if you need more information?

 

Thanks in advance,

Eric

[SouthernTreat]

Since you have already pain, it looks like GW letters are the only way to go unless you can find an error in how the accounts are being reported.

[ericj]

What would I look for in an error? Are errors common?

[SouthernTreat]

Is every item of information accurate, e.g. dates and amount?

 

Is any item of information missing, e.g. credit limit, date opened/closed?