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  1. Thanks everyone...I do need a car but I will work more on getting items removed from reports before applying for an auto loan.
  2. I've only had my cc's since Feb (2) with USAA Secured and the other (2) secured cards I've had since last month. Should I work on either paying off the 2 charge-offs and/or trying to get some of the old paid/settled accts off my reports.
  3. Credit Application: Your Age? 40 Your Equifax Credit Score? 500 Your Experian Credit Score? 539 Your TransUnion Credit Score? 557 How many years have you been on file with Equifax? not sure (would this be the average history of my accts) How many years have you been on file with Experian? no sure How many years have you been on file with TransUnion? 20 yrs YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? N/A How many late pays within the last 12 months on the currently open loan? N/A How many late pays within the last 13-24
  4. Hello, I have managed to have two Judgements (one paid & unpaid) from my EXP report as well as a medical collection and a collection with Midland Funding....I'm very happy with that progress so far but I stil have more baddies to work on. I would like suggestions on figuring out my next steps as several accts have come back previous investigated and the new collections I'm just not sure how to go about disputing. I have the following PAID accts: BB&T Auto Loan - this acct has several 30 and 60 days lates and was closed 10/2012 Credit One - DOFD 8/12 Merrick Bank - DOFD 2
  5. I would like to know the answer to that question as well as I have three accounts that are with the original creditor and they have not contacted me in over 6 years they are also out of the SOL in my state and due to fall off my credit report between Jun, July and Oct of this year. They are only listed on my Experian credit report and according my to last dispute with them they put a comment on each stated that "this item is reporting correctly according to my last dispute in Aug 2012" so they will not let me dispute them anymore. I don't want to wake a sleeping giant as they all total about b
  6. I'm suck as to how I should dispute the following items on my credit report as my DV letter to the CRA came back either they won't dipsute anymore or they have verified/updated the information on the 5 paid charge-offs listed below that are due to fall of between Dec 2014 and May 2015 on my TU report all of these accts are paid charge-offs: Target - due to be removed May 2015 Pentagon FCU - due to be removed Jan 2015 Merrick Bank - due to be removed March 2015 Chase Bank - due to be removed Dec 2014 Credit One Bank - due to be removed Dec 2014 I also have the following collection a
  7. I had a checking acct with NFCU back in the late '90's that I messed up and now I owe them $1600 (which is NOT reporting on my credit reports as the acct is very old) I tried opening an acct with them about 2 yrs ago and they stated that I need to pay off the balanced owed. I want to pay it off but I'm scared that they may not let me join again. Has this happened to anyone before? Where you able to re-join? I'm just trying to figure out what I should do...Thanks
  8. Yes, I am working from current hard copies of my credit reports. I sent the medical DV from the HIPPA letter to the CRA's and thats what came back from the collection agency's. So my next step is the send letters to the CA's
  9. Hello, I'm lost as to what to do next as the past week new medical collections have popped up on my credit reports and the other two that I send DV letters to the CRA have come back and they do belong to me and they have sent an itemized bill and statement copy. What should my next steps be: The two accts where I received letters from collection agencies are: Tri-County Serivce Bureau - $210 (this went into collections 2/2009) and was reported to on 12/2013 on EQX United Consumers, Inc - $125 (this went into collections on 5/2013) The NEW Accts that just popped up are: Spartan F
  10. Geat.......Thank you both
  11. Good Morning, My first round of disputes sending letters to the CRAs was unsuccessful but I did manage to have all the old addresses removed with Experian. I've received 2 letters back from creditors with itemize bills for medical accts...so I plan on sending them a PFD letter to see if that works. Other then that my Mildland accts that where listed as "NO STATUS" are now reporting amounts on EXP and shows they are due to be removed Apr 2015 and Apr 2016. I also had two new medical accts pop up on all three reports as well.....smh. Would my next step be to send "verification letter
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