!I don't know what to do first!

[rosecoloredglasses]

I have been reading for a while, still confused. I made a screen name so I can ask questions. Geez, I don't even know where to start, dispute or validate, opt out, etc. I want to do a 1-2 punch but I feel like I would mess it up. There is an address on my EX and EQ that NEVER belonged to me! I can't get my free report from TU, i don't know why. I feel overwhelmed! If I dispute the prior and false address on my report would they have 45 days (because) to fix as opposed to 30? Also, a collection from midland is being disputed (as said on both reports) and IDK why, i didn't initiate it on EX but I did dispute on EQ and it came back verified. BOGUS!!!! . However, the information is wrong. Its an EXTREMELY inflated collection from TMOBILE (I owed them in the ball park of $800-1000) but somehow it became $1,900+! And reporting as open or gone to collections in 2011. I had Tmobile from march 2008-2009(november of 2009 is when I was about 60 days overdue and never paid them ,I got sprint. They started sending me collections in 2010 but I know I Can't find them. I'm not sure if midland sent the collections or not but it was a collector.). So the latest it should report delinquent is mid 2010? Did Midland reage my account?

 

When I dispute to a CRA, should I write in blue ink on legal paper or what? Is that out?

Should I only dispute after I validate?

 

 

I feel like I had a plan before I saw my credit report, and now Im baffled for some reason. Can anyone help? Post links, anything, I feel lost.E

XPERIAN has

Account in dispute under Fair Credit Billing Act.

 

EQ has

 

MIDLAND CREDIT MGMT INC

8875 Aero Dr Ste 200
San Diego, CA-921232255
(800) 825-8131

Account Number:

XXXX

Status:

 

Account Owner:

Individual Account.

High Credit:

$1,936

Type of Account :

Open

Credit Limit:

 

Term Duration:

 

Terms Frequency:

 

Date Opened:

09/30/2011

Balance:

$1,936

Date Reported:

09/26/2013

Amount Past Due:

$1,936

Date of Last Payment:

 

Actual Payment Amount:

 

Scheduled Payment Amount:

 

Date of Last Activity:

N/A

Date Major Delinquency First Reported:

11/2011

Months Reviewed:

21

Creditor Classification:

 

Activity Designator:

N/A

Charge Off Amount:

 

Deferred Payment Start Date:

 

Balloon Payment Amount:

 

Balloon Payment Date:

 

Date Closed:

 

Type of Loan:

Factoring Company Account (debt buyer)

Date of First Delinquency:

09/2009

Comments:

Consumer disputes this account information,
Collection account

81-Month Payment History

No 81-Month Payment Data available for display.

 

[rosecoloredglasses]

bump please anyone, I know it sounds crazy but I did read, PsychDoc, WhyCHat, Jens steps, they are helpful but I feel like I'm in the credit abyss. I don't know where to start. I read different threads and there are so many conflicting opinions.

[MarvBear]

The very first thing you need to do, is get your hands on snail mail copies of your credit file directly from each bureau.

 

Have those in your hand first.

[rosecoloredglasses]

OK, I will requested mailed copies then I "triage" my report

opt out

have old addresses taken off (and that random address)

 

The rest of my credit report I don't dispute, they are valid and I owe. However TMobile (midland) and the medical judgment are things I don't agree with.

[MarvBear]

One step at a time. Don't try and overthink yourself.

[marqedsade]

Credit repair is a marathon, not a sprint. Take your time, after all, you've got plenty of it.