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Dear All: Desperate need of help! I am new here and have spent so much time readying an learning! In the interim I have sent out dispute letters and validation letters to OC, CA and CRA. Here is where I am...(as of 1/7/14) Experian: 651 Equifax: 577 Transunion: 593 I don't know how to move forward! 1) I DV'd SEVERAL collectors (Mutual Mngmt., Firsel Law Group, Ltd [working for Jefferson Capital], and Convergent Systems [they gave it back to Verizon]) that were not appearing on my credit report. They have stopped bothering me since. 2) I sent a DV to Capital One who responded "We received your application by phone or internet and your account was opened on 12/10/2008. The last charge billed was on April 9, 2013 for $22.54 and your last payment of $200.00 was received on April 5, 2013. Their most recent response stated that "the information the credit bureau sent to us may not have contained everything needed for us to fully understand the reason for your dispute." 3) I DV'd First Premier who gave me zero information in return. Instead they stated "n your correspondence you did not indicate what specific information you were disputing or requesting to verify." I have 2 accounts with them...I complained to the CFPB who sent my complaint to the South Dakota Dept of Treasury. That is pending. 4) I DV'd Macy's who I owed 82 bucks to. It was through a collection agency. I paid it off years ago and in my youth and naivety did so w/o getting it in writing! Needless to say it has not come off. Complained to CFPB. 5) I DV'd CreditFirst who sent me a copy of my signature and charges. (ULP) 6) I owe Verizon (done nothing here yet) 7) Capital One/Saks - I DV's them - They have not responded but continue to call me even though the letter demands they cease and desist. 8) AFNI - I just DV'd them - Waiting on response for an old Sprint debt - Sprint is trying to charge me $62.31 as taxes and fees after I terminated my account. NOT GOING TO HAPPEN. 9) ALLY - My auto finance co. - Was late several times in 2013 due to injury - they are not willing to work with me 10) Cortrust Bank - Paid it off and closed it 2 years ago....how do I get this off? How do I get this all fixed. Any and all advise would be greatly appreciated.

Hello all. I have a Cap1 secured card that I've had for about 3 years. I never use it, I just keep it on hand along with another cc (from BOA) in case of emergencies. That said, I'm paying a fee of about $2 on the card every month for membership dues, despite the fact that I don't use it. I would like to cancel the card because I missed a payment and now they've tacked on a $16 late fee. At this point, I'm just paying to keep it active. I've hesitated to cancel for two reasons: 1. The hit my credit score would take. I don't even know what my score is currently. I paid off my car a few months ago and my score improved, but I don't know how much. I'm afraid canceling my card will negate that progress I made. 2. I have an ING savings acct and I know they were bought out by Cap1 some time ago. Now that they're joined, will canceling my CC affect my savings? I had the savings acct way before the credit card. So should I just make the monthly payments, or would I be ok to cancel the card? Also, regardless of what I do with the card, I would like to find out my current credit score. The only way I know to do that is to register with Equifax or another credit company. Are there any other methods? Thank you in advance!