Wcnut

No they are all between 550 and 610. The baddies are intermitten lates (3 or 4 30 days) on 4 or 5 accounts and a 2000 CO.

I know better than to just apply for a prime right now, LOL I knew you weren't being down on them. You just got my back, AND IT IS APPRECIATED.

Oops! Didn't see Ricky's post, LOL. I agree with him

First I would check the SOL in your state at whychats site.http://whychat.5u.com/. If it's beyond the SOL tell them to pound sand, send a copy of your states SOL law and a DV letter via CMRRR. Follow up with a DV to the CRA. If it's not beyond the SOL, I would settle once I recieved a letter aggreeing they either remove the account from your report or report it as paid if full/never late. Stick to your guns for a bit and they will probably make the deal. MAKE SURE YOU HAVE PROOF(letter confirming deletion upon payment)IN HAND BEFORE YOU SEND THE MONEY. This is how i would preceed. Good luck Wcnut

Try this one. Provide any proof of the dispute you filed as well. i would modify this letter to suit your purpose. Make sure to send it CMRRR. Hope it helps. Good luck, Wcnut Procedural Request or Delete Your Name Your Address You SSN CRA Name CRA Address Date Account Name & Number: Dear Sir or Madame: Your company recently investigated and supposedly verified the above referenced account. I have contacted this company several times via registered mail requesting "Validation". I have yet to receive a reply from them. Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for you consideration. The FCRA maintains that the reporter of the account validate the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process. However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the account in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information cannot provide any information linking me to said account. That being said, you have three options: -Delete the account based on the evidence supplied by me -Provide the Procedures used to verify the account -Do nothing and face a small claims court lawsuit Note: A simple list of creditor names and numbers will not be considered Procedural Evidence - I request the exact means of verification along with the names and numbers of all individuals involved in the verification. I will state again for the record - The account is not mine and the reporter of the account will not verify. Please delete the account or provide the requested information. Please reply to my request with deletion or the requested information within 15 days as prescribed by law. Sincerely, You

I appreciate it. I probably did jump the gun a bit. This time, however I will make sure everything will be ok(on time etc). I can always go for one of the others you were suggesting once the dust clears(current DV's AU getting posted etc....) You are right though that I probably could have gotten a better card if I waited.

Thanks Digger! This is what I was trying to say. $59 for a new beginning is worth it to me. The balance will always be paid in ull so the interest won't matter. Thanks for the support guys. And don't fret, your advice is appreciated, will be practiced and therefore was not in vain. Again, thanks to everyone on this site for the great wisdom they share. Wcnut

I applied and got approved for an unsecured Orchard bank card before I got the last 3 posts. I appreciate everyones advice. All very thought provoking. my thoughts about applying were this..... Other than an annual fee of $59(a small price to pay for a new beginning) and a rate of 15.99%(which does not matter as it will be paid fully each month)there was no harm in trying since the soft inquiry was approved. I wanted to get a line of my own to prove my own worthyness. In the end i figured why not. You gotta start somewhere. And to Digger...your thoughts are appreciated...with regards to a few of your statements... NEVER AGAIN WILL THIS HAPPEN! and.... I have done it every day and will continue. Again, I appreciate and value all of your opinions. Thanks, Wcnut

Yes I do. 5 accounts with 30 day lates, 1 collection(that's about to get the 1 2 punch), and 1 satisfied judgement.

I would like to try this today. Could someone help?

My brother has added me to one of his 7 year old flawlessly maintained credit cards as an Authorized user. It has a $19000 limit and has a $4000 balance. I called them and this account will report to my CRA's at the end of the month. My brother is also willing to addme to 2 or 3 other flawless accounts. My question for you all is should I have him do this or should I go for the Orchard bank card? When I did the soft application they said I qualify for the unsecured card as well as the secured card. I would love some advice before I make a move. Thanks, Wcnut

My brother has added me to one of his 7 year old flawlessly maintained credit cards as an Authorized user. It has a $19000 limit and has a $4000 balance. I called them and this account will report to my CRA's at the end of the month. My brother is also willing to add to me to 2 or 3 other flawless accounts. My question for you all is should I have him do this or should I go for the Orchard bank card? When I did the soft application they said I qualify for the unsecured card as well as the secured card. I would love some advice before I make a move. Thanks, Wcnut

Just a guess but I would imagine it looks better without the chargeoff's when the report is reviewed even though the score drops some. I'm going to refresh in a few, we'll see. Is this temporary? Will it go back up? How long does it take?

WOW, Really sorry gang, I thought it was legit. I guess I'll use whychats stuff. I have joined these boards(here and truecredit) less than a week ago. I have learned a ton in a short amount of time and thought it was good info. Now I've learned more. Sorry for the screwup, My bad! Wcnut

Whychat? Is the link I posted the fake one? Just want to know so I put out good info. Wcnut