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Credit Journey Advice for DH


dwhit316
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The last post in this topic was posted 4052 days ago. 

 

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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

 

 

 

 

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