sabreena98

I have read through the newbie section and the transcripts were great, but I am having trouble working through topic 6 for triaging my reports. I don't know if I am just blind because of all the readingI have done on credt lately, but I am having trouble figuring out which categories some of my debts go into. I am currently looking at my equifax and eperian while I wait for the transunion on to arrive. Maybe it is the way that they are arranged that confuses me. Equifax based questions For instance if I settled with a lawyer/collection agency for 2 (separate) debts, but do not see the lawyer or agency listed on my CR does that mean it is still with the OC even though it says charge off (with 120 late), so I would use the FCBA or Nutcase or would i just leave it alone since I recently paid the settlements? Also for credit cards that were lost or stolen is there a way to get those removed? (or would that be just a validation?) I also have like 9 student loans that were refinanced through a consolidation back in 2000 but they all still show up on my report(but those were never late) I know that the one (but listed as 2 according to experian) that are in collections I will validate. I tried to make this as concise as possible. Let me know if I am on the right track with what I am planning to do. Thank you Oh just had another probably stupid question, but here goes when I send my disputes to the CRA do I send that with CM or do I do as I would with the CA and send it CMRRR?

Way to go...every story I read about these good things happening helps to keep my spirits up...I am new to the site and my CR are rather depressing right now....congratulations on the great job

Thanks toopooor...I guess in the meantime I will dispute and try to have my address and names corrected by all 3 bureaus...and keep paying on the cards that I have that still have balances.

I wish I had found this place 9 months ago when I found out that my 'debt consolidation company' was not making payments to my creditors. Since then I have had two bank levys(Jan & May 06)and one serving for wage garnishment from a default judgment(July 06). I have settled with both collection agencies. They have both updated my CR, but this before I knew about negotiating for removal from the CR, and they still say charge off but paid. Can I/How long can/should I wait to dispute to have chargeoff taken off my CR since they have received their payment. I am still going through PsychDoc seminars, but did a search and couldn't find this answer. I have had to totally clear my savings plus take a mini-loan, and once that is paid off I am planning on using this site to get my scores up from the very low 500's were it currently is. Thanks in advance for any advice. Sabreena

Thank you Psych Doc and breeze for putting this information out there (initially and in the transcripts) I have been working on repairing my credit on my own and I am happy to see that there is help out there for people like me from people who have been there.