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Hey Everyone, I could really use your help on my DH's report. He finally realized that avoidance doesn't solve problems. So we are tying to get things in order and fortunately, it's not as bad as I thought. I've sent in and called to get all the old addresses removed. Because he was in the Navy, it was a LOT! I got a copy of the reports and this is what is listed. I also diputed them after getting address removed and they were verified, so what's next? I've read through the info and i'm thinking I should send a verification letter to the CA, but I wanted to get some thoughts on what I should do before I proceed. Experian: 2 collections less than 300 from about 3 years ago. (old Comcast utilitlies before we got married) 1 apartment collection almost 5000 from about 3 years ago - He says this is inacurrate because he had finished the lease, so there's no way he owes them that much for repairs (no pets and very clean) Equifax - most intense 1 Auto Charge Off $6000 1st delinquency is 03/09 which is inaccurate, he said he never paid after the first month because the motor blew after the first month (some buy here pay here place) 3 Ga Power Collections each less than 200 2 apartment collections - 1 Is on Experian, the other is from 2 years ago right before we moved together, someone broke into the apt and the landlord told him he could move if he'd like 2 Comcast Utitlities 1 Medical Collection - going to attempt Why Chat's method TransUnion 2 Comcast collections 1 medical collection $300 (same as Equifax) 1 apartment that's on the other 2

Guess I’ll break that last one down into smaller bites: http://creditboards.com/forums/index.php?showtopic=526986 So if I’ve disputed this paid CO for TXU Energy every which way to Sunday, and the OC has always verified but never noted it as “consumer disputes this information” – to whom should I complain (other than you guys)…? The AG…? I don’t see anything in the CFPB Complaints Database to suggest they field complaints regarding a utility company. And BBB complaints for these guys don't seem to be effective, although I need to read through a few more to see if ANY were resolved in the customer's favor. I already filed a complaint with the Public Utilities Commission in March, but I didn’t mention this FCRA violation in my complaint, which focused on the accounting info I received from TXU after my 623 investigation, as it differed from the CO amount they charged me. And based on all my experience with these peeps, if I complain about the violation to the PUC, TXU will simply add the notation to the TL. Whatever you guys suggest, I will do it after TXU responds to my latest maneuver. Yesterday, I realized they should have applied the low-income discount and waived all late fees on service for all months the account was open in 2007, because I was receiving SNAP benefits that summer (times were tough!) I fired off a friendly request to their head PR person, asking her how I can get that remedied, and I got a voicemail from her within the hour. Then a guy from the EO left a message a couple of hours later. They’re “looking into it”…lol. They’re always quick to “respond” – and just as quick to come back and tell me why they’re right and I’m screwed. We’ll see how this one plays out. Like I said in my other thread, it’s become a game now. It’ll be obsolete in a few months, and I am working the "early obsolete" angle with each CRA as the months tick by. I’m just experimenting on these jokers to entertain myself while I wait.

Credit report shows a debt from a Pennsylvania water company for about $140 from 2009. Called the water company to ask who owns the debt. They said they sent it to a collection agency (Commercial Acceptance in Shiremanstown, PA). She also said if you want to pay the water company they notify the collection agency, and if I want to pay the collection agency they'll notify the water company. Who should I be dealing with here? At first I wanted to try a Pay for Delete with the collection agency, but avoiding the collection agency all together sounds somewhat enticing. Any suggestions?