Ill save the dramatic story...everyone has one.
As of several days ago, CreditCheckTotal showed my three score to be between 638 and 650.
First I disputed whatever names, addresses, telephone numbers etc I could do online with TU and EX. With EX, I also disputed a CO from Capital One of 4700 that was due to fall off Nov 2014 and a CA Medical of 110 due to fall off Jan 2015. The CO was immediately deleted, investigation pending on CA.
Today I mailed off 5 letters. One to each CRA disputing the rest of names, addresses, phone numbers and employers. One to TU disputing the CO and CA. One to EQ disputing the CO (CA doesn't show up there). I sent 5 letters so I could compartmentalize the letters for personal information vs. adverse information...just to keep things organized for myself.
Next, I will be writing a goodwill letter to Central Mrg asking them to change my payment status. I had several 120 days, although the final 9 months were all paid on time before I sold the property. I never asked for an adjustment, never asked them to forgive payments, just paid them when I could as fast as I could. Hopefully they appreciate/respect and help me out.
Question #1- Does anyone have a sample goodwill letter they sent a mortgage company (or anyone else) AFTER the account was already closed? Any opinions or experience?
I have two CC's reporting as paid on time etc...but both are now closed. One is a Capital One, one is Exxon/Mobile. The Exxon/Mobile shows up as still being paid currently even though its been closed for years on one or two of the reports. Both these accounts show PAID AS AGREED, PAID IN FULL, ZERO BALANCE, CLOSED BY GRANTOR in the comments.
Question #2- Should I dispute these comments with the CRA's, asking that these comments be changed to PAID AS AGREED, PAID IN FULL, ZERO BALANCE, CLOSED AT REQUEST OF CONSUMER? If they change them, it should look better. But the CRA might just delete that accounts altogether, which could possibly hurt my scores? Any opinions or experience?
These are the easy things, next are all the paid and/or released tax liens from the State of California (Franchise Tax Board AND Board of Equalization). And an unpaid civil judgment from DCFS USA for 6,800 that will be hanging out another couple of years. I need to learn more before I mess with them...although I feel I have some ideas being that my original debt was with Mercedes Financial, then I received a judgment from DCFS, who then changed several times into Chrysler. Maybe things got lost in the constant shuffle? Any info or experience on these would be welcome as well.