Wednesday, February 22, 2006

Credit Score 620

On my credit report Macys/Gamb shows 3 account with the same acct number different high credits with different dates opened all reflecting duplicate information.
They are all paid in full.
#1 date opened 11/98 date of last payment 6/2000
#2 date opened 11/86 date of last payment 9/1998
#3 date opened 11/86 date of last payment 4/2004
negative statement 3/02 (2) 2/02 (1)
I do not have 3 account and some of the inforamation is outdated how can I get that information deleted.

Last item I had 2 negative write offs from Capital One I paid them off with a settlement in 2001. I have have reopened an account with them and apprx 50% of the time I pay the balance in full, is there anything you can suggest I do to get the old information deleted from my files.
They were opened in 1998, date of last payment is 11/01 & 8/01.

I would appreciate any help you can provide, I live in New Orleans, La. and I'm trying to buy a house.

Thank You
Credit Score 620
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Of course I would dispute outright any old and outdated figures by checking "not my account" and saying if it is the account is inaccurate.
CROSS YOUR FINGERS wait and hope.
As far as capital one that you have re-opened I would call them and ask if they would update your credit file to show only the last 24 months of activity thus wipping out the late payments of old.
2001 is not long enough to fall off so dipsute it and hope for the best or call the creditor before you dispute it and try to get the account updated. They not be of any help so do not get angry. It does not hurt to try.

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