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Hello out there! I have been reading this forum and I started to finally take the plunge in repairing my credit. I have some general question for you guys out there... I have a 90-60-30 day late from JUN-MAY-APR OF 2008 and a 150-120-90-60-30 from NOV-OCT-SEP-AUG-JUL of 2007. I understand that they will soon come off my credit report but I would like to get rid of them sooner than later as I am looking to get the best rates for a mortgage. 1. Should I attempt to remove the 150/120/90 day late first? And how will removing that impact my credit score since it happened so long ago? 2. When I dispute this with the CA, should I dispute one at a time? For instance, should I dispute the 150 day late first or would you recommend grouping the lates together? And if so, do one set of lates then dispute the other set? 3. Since this is my longest TL... I do not want the entire TL to do deleted. If I dispute these lates, will the CA (bank of america) delete this TL? Or if they cannot verify the information in 30 days, will the lates turn into 'OK'? 4. Would you attempt to dispute the 90-60-30 set to expire in 2015 or the 150-120-90-60-30 set to expire later this year? This entire process seems intimidating but I have read so many success stories and I am determined to raise my credit score! I was young and stupid when I applied for this credit card when I was in school. I did not realize the impact of those mistakes I made back in the day. Thanks for any help you guys can provide!!! -
my fico EQ score as of 01/22/14 is 651 AAOA is 15 years No new accounts in last 5 years, no inquiries, only a few positive - closed tl's see chart below... 1) Amex falls off 12/14 (past SOL) disputing as obsolete 2) Pay verizon $157? they continue to report each month 3) Portfolio (BOA) $1,300 - waiting on CFPB results 4) GOC has a judgement of $12k, falls off CR's 08/15 - leave alone and not dispute, right? 5) Cap 1 owned by Midland, but mid not on my report. leave alone & let fall off on 08/16?...worried about suit being filed... 6) BOA - disputing again, they failed to verify in 30 day window Hope to get to 700 with Amex & Portfolio removal and being added as an AU. Will I be denied new cc's because GOC, Cap One are showing as collections? Amex 12/1992 $14,301 Bad debt/collection Portfolio 9/2011 $1,300 120+ days past due Verizon 12/2010 $157 120+ days past due Bk Of Amer 8/2007 $0 Bad debt/collection Cap One 9/2003 $0 Bad debt/collection GOC 7/1996 $0 Bad debt/collection
