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  1. Hello Credit boards, i have started my credit repair journey a couple months ago because i have a credit score of 489 and have read the psychdoc's document for beginners, numerous boards on here and reddit and have even sent some letters off. However, between reading American advice and trying to apply it to my own situation, i am getting lost in deciding what to do about a few very sore spots on my reports that are holding me back immensly. I was wondering if anyone could help? I have two R9 charged off credit cards on my CR's with EX and TU. They are fairly old and there has only been one TL for each, so that means the OC hasn't sold it, but assigned it correct? Below i will post the information including DOLA because i know that's important. CAPITAL ONE BANK Phone Number: (800)728-3277 High Credit/Credit Limit: $300.00 Account Number: XXX...xxx Payment Amount: Not Available Association to Account: Individual Balance: $1,328.00 Type of Account: Revolving Past Due: Not Available Date Opened: 2008-11 Date of Last Activity: 2009-06 Status: Bad debt, collection account or unable to locate Date Reported: 2014-07 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: At least 120 days past due ( 2009-11 ) At least 120 days past due ( 2009-10 ) Three or more payments past due ( 2009-09 ) Comments: Written-off Closed by credit grantor ROYAL BANK VISA Phone Number: Not Available High Credit/Credit Limit: $1,000.00 Account Number: XXX...xxx Payment Amount: Not Available Association to Account: Individual Balance: $775.00 Type of Account: Revolving Past Due: $775.00 Date Opened: 2007-01 Date of Last Activity: 2010-09 Status: Bad debt, collection account or unable to locate Date Reported: 2014-07 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: At least 120 days past due ( 2011-10 ) At least 120 days past due ( 2011-09 ) At least 120 days past due ( 2011-05 ) Comments: Written-off Closed by credit grantor As you can see my older Capital One card will fall off in june 2015, as it is 6 years in Canada correct? I have thought about waiting for it to fall off, but i have also read about requesting early obsolete deletions. My Visa with RBC still has 2 years left. Here are some details about what i have done and what is on my account as far as names and addresses are concerned, because im hoping maybe i can clean these up on a technicality? I have got my address deleted that is associated with my Capital One account. Both Cards were taken out under a first name that i have since changed the spelling of legally, however the CRA, have my alias listed. I can't do anything with that im assuming. I have sent a DV to the CA who currently has my RBC Visa and they responded with a copy of my signature and a few bill statements. I'm not sure my next move. I also had a collection account that i have negotiated a PFD which i have read is harder to do in Canada,and that i probably will not find any success even asking the OC's on my charge off's for this. CAN SOMEONE PLEASE HELP ME, i'm not sure what my next move should be? All i want is these things removed from my reports.

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