Validate dispute and raise my credit score

I am writing to you again. Still trying and persevering to improve credit score. I went from 452 to 471 in one week, and then Capital One account from 1999 and one from 2000 hit me with a report to credit bureau. So I called the credit bureau and they told me 7 to 10 years it can stay on there. So then I called Cap One and she took my social and said she had nothing come up when she punched in my number. What do you think I should do?? Should I send off that letter of validation? It was like I got punched when I saw my score drop after I watched it go up a little bit. The Cap One accounts are charge offs, derogatory, closed accounts that won't go away. They had limits of 200 and 500 and now have balances of 1440 and 2200......Please help
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i would dispute the accounts first through the three credit bureaus as not yours or an error
then maybe do the validate thing if cap one can't find the account under your social
a dispute should garner the same results I would think or assume.
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Thanks Bo!!! I already have ongoing dispute going, so I guess when that one concludes, I will dispute the two Cao One accounts and send validate letter after that dispute is over. I'm not giving up!!!
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How ya doin? Just wanted to ask question - I put in dispute for the two Capital One cards and now I got a credit alert on my credit report saying that Cap One has changed date from N/A to N/A. Do you know what that means? Thanks
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that means they should take that dang thing off
combat this with validation
then valdiate follow up
then call state attorney general
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Well, I disputed with credit bureau and it comes back as REMAINS. Verified to be accurate. Yet when I call them, no record. So now I will send the letter.....Will keep you posted
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vaidate and take them to court
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Just wanted to let you know I am up 100 points since I started a month ago. I had the Cap One accounts removed from Trans Union, and I am disputing the age with the other two bureaus. If one credit bureau takes them off, do you think the others will follow? Thanks for all your help.
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they should
way to go
thanks for telling me

8 Collections and charge offs on my credit report. two are paid.

I currently have 8 collection/chargeoffs on my report. 2 are paid collections neither is 2 years old. The other 6 unpaid are scheduled to fall off by this time next year. I have 3 open of lines of credit that have been never been late and in good standing for 8, 7, and 3 years which each of them report to the bureau each month. Besides being patient with father time and continuing my on time payments with the positive 3 is there anything else I can do. I know one is a duplicate. I can dispute that one. One has a different date of delinquiecy than the original creditor so i think need to dispute that also to have it linked to fall off at the correct time. Any suggestions/advice would be appreciated on the others Bo
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That is one of the most comprehensive well put questions I have ever received
One thing is missing. What is your credit score now.
Verify the debt with a debt validation letter to the collection agency. Negotiate if they can verify the debt. Dispute the account if you get no answer, or signed with company letterhead agreement.
You seem to had a great grasp of the best parts of raise my credit score fast. Make sure your open credit, show less than 80% of balance to high credit ratio. Divide the balance by the high credit limit and get lower than 79 percent %.

dentist bill went to collection in 2002. Should I pay it?

I have a $600 dollar dentist debt on my credit report. It was posted in 2002. What would you recommend I do? I had insurance at the time but its possible that they did not cover the work that was done. Since this was from 2002, should I contact the collection agency? or should I dispute it? or is it better to leave it alone since its from 2002. I appreciate your guidance in this matter

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I guess it depends on your credit score now
and
if this is affecting something you wish to do

you can dispute it and hope
might do that
then
negotiate, pay and be done
ask for humble credit help
talk to both the collection agency and the original creditor

if you have new good credit this should not hurt your score much even if they do redate it
but i would make sure they at least did not re date the account

Never filed bankruptcy but it shows on my report at tranunion only. They will not remove it.

I have a bankruptcy on my credit report; however, it only shows on Transunion, as I have never filed a BK. I disputed it with Experian and Equifax, both have deleted them; however, for whatever reason Transunion states that the information has been verified and will not delete it. What can I do? I am trying to purchase a house, and this is definitely creating a kink in the process
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if you didnt file it
bk should come off

i do not know

where do they verify from
what court
use that number and call and get this straight
report them to your state attorney general or to the FTC.

Ex husband has old bad credit and i co signed. 7

I pulled my credit report and there is stuff on there that was closed for at lest 12 years. the mortgage that I had with my ex-husband is on there from 1997. the house hasn't been mine for the last 12 years and he sold it about 5 years ago. I singed the house over to him in the annulment. how do I get really old stuff off of my credit report ? it thought that things came off on there own. What can I do ?
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The house with your name and your ex-husband's name on it was sold 5 yrs ago not 7 years and thats why it is still on your credit report.

Get new current rated credit on your credit report.

Forget that ex-husband and how he screwed your credit. 5 year old stuff does not affect your score much if you have good credit for the past 2 years.

Do you have credit from today back 2 years on your report that says you pay good.
If not get new good credit started here i like the Total Visa middle of page.
these report to bureaus. Takes 2 years to clear most all bad credit.

Dispute validate and negotiate anything that is old and incorrect.
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I don't under stand your response ????

how do I get all of this old closed stuff from 1997 off of my credit report ??
there is no other guy on my report, just he mortgage company that I had back in 1997
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You need new current credit more than you need to get rid of old bad credit.
That is my response.
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Be told not to pay off collections it could hurt my score.

I have two items in collections. I have had people tell me not to pay them off because it wont help my credit. They are already 3 years old and they said that by paying them it will only make it worse because they will turn into a current delinquency. I am trying to raise my credit score and since three years ago when I got in this mess I have closed credit card accounts, paid off loans, and gotten the remaining balances down… the only thing left to do is to decided whether or not to pay the collection accounts. Do you think I should?? And will it help my credit score?? If so how soon will I see the results?? And how much will it help??
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Negotiate before you pay, to have it removed, if you pay in full.
If not pay it anyway, but ask to no activity date change only a paid in full.
It always helps in the long run to pay off stuff.
keep new good credit open.

My credit score went down when I paid a collection

On 6-7-07 my score was 650 that same month Capital One raised mycredit limit from $300 to $1,800 (%18) as well as Washington Mutual approved me for an $8,000 card (%9). I have a secured loan for a boat and have never been late. There are two vehicle payoffs paid never late since 2003. Now 10-10-07 my score is 642. I thought I was doing great until I paid $200 on a $3,000 medical collection that was never on my credit but now is ( I was alerted today 10-11-07 of this new entry to my credit). I never thought apayment would have such a negative impact on my credit.
My question: Since I have all but this one huge medical bill and the others were paid between 20 and 65 days ago would it help to file a dispute withthe CA's in hopes of getting these collections updated to paid status any faster? It's now mid October and I had planned on making a vehicle purchase in December of $30,000 with about $8,000 down and am afraid that since my credit appears to be collapsing I'm going to either not get approved or get approved with a high interest rate. I have approximately $1,800 a month of disposable income. Normally I would wait on a vehicle but due to a manufacture change I am running out of time to buy this particular vehicle type.
WaMu- $8,000 limit with $5,200 balance
Cap One- $1,800 limit $1,000 balance
Vehicle 1 payoff 2003
Vehicle 2 payoff 7-2007
Boat - paying since 4-2006 never late
Truck to pull boat - on wish list
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Bo
One should validate and negotiate before they pay.
call the collections agency and talk to them.
ask for no new dates at least. totally removal if you pay in full now.
you have enough money to do it. Once a person pays on a debt, they validate the debt themselves.

I would rather close cap one (had problems with reporting maxed out all the time) if it is over 1 year old.
get one if these credit cards instead.
they will not help until 1 year passes.

the interest rate difference from 650 - 620 is not more than 1% if you have 5000.00 down on most car loans. Do you have a credit union. sometimes all collections have to be paid with credit unions. Credit Unions provide very competitive rates.

Even though your score went down right now it will go back up soon if you keep good current credit going.

10 collection with a zero balance how do I get them off my credit report.

I HAVE 10 COLLECTIONS PAID DOWN TO 0 BALANCE.I DID NOT NEGOTIATE WITH THESE DEBTS.MY TOTAL DEBT IS ONLY 5000 DOLLARS.BUT MY CREDIT SCORE IS ONLY 599. HOW CAN I GET THESE COLLECTIONS OFF MY RECORD. THANK YOU
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We should have negotiated before we paid but I am still a better person. I can say I paid all my bad credit and bills and want to open new good credit and become a responsible credit worthy person.
I can accounts as not mine and some creditors might not respond or might have gone out of business.
These paid collections will not come off.
If I get new good credit, these paid collections will not hurt my crediot score much in the future and my score should increase to 650 at least in the next year.

Charge off utility and collection. Remove

I subletted a coop about seven years ago. The reason I relinquished it was the landlord wanted to sell it, so I moved out, and (mistake) left the power on for her until she transferred it to her name. Bottom line: she waited a month, ran up another $51 in electricity charges, and I never got the $51 bill. Years later I was contacted by a collection agency. I paid it with the explanation above, and have run into brick walls trying to get this "derogatory mark" removed. Any suggestions I'd welcome. Thank you.
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Nope
Same thing happend to me with Nashville Power in 1992 and that is what started this whole credit help webpage thing.
One can sometimes get credit cards, hopsital bills, collections to negotiate.
Utilities almost NEV ER.
Get new credit and go on

Credit report says I am deceased.

Recently I went to get a loan for a new car, and apparently they are unable to access my credit score, as my report states me as being DECEASED!! I have NO idea where to even begin to fix this!! So with this report saying that I am dead, I cannot even begin to think about getting a loan for anything at all until I get this matter settled. If you have any advice at all, it would be much appreciated. Thank you!
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Fill out my dispute form and say you are not dead
Might get your report free real quick to see for yourself
I assume you have no credit. I would start here.

Tax lien on my report. If I pay when will it come off?

I had even gotten my credit score up 70 points since Jan 2007.
Making my payments on time etc.

Then out of the blue the Feds put a tax lien on my property which hit my credit reports under public records. It dropped my Equifax score 70 points. Experian and Transunion said over 600.
--I do owe the money and I am making arrangements to pay.

My question is, if I settle quickly this debt with the Feds, will I have a chance of getting this lien taken off my credit report?
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10 years from date of entry .
I would ask.
Leins are different than bad credit.

4 Hospital Bills in collections. Remove from my report.

I have 4 hospital bills that are currently in collections and are hurting my credit alot. I wanted to know what would be better to call them up and negotiate or just let them fall off of my report? dont know much about how long it takes so i wouldn't know what would be my best option. These are in collections as of right now, and i wanted to know how can i get them removed? they are all from the same collection agencymy credit scores are 600 662 619 first one is
$230 opened in 12/2002, last reported in 3/10/03
second one is $160 opened in 07/2001, last reported in 1/30/02
third one is $135 opened in 07/2001, last reported in 1/30/02
fourth one is $285 opened in 07/2001, last reported in 1/30/02
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If i had the money I would pay them all, but, negotiate before I paid. This is a matter of responsible credit honor.
If they cannot remove the collections completely I would probably still pay.

If you have three open lines of good credit you are closer to these falling offf than to hurting your scores

I word of note
Some creditors deny credit if there are any unpaid collections on a report.

How do I delete a late payment from my report that is paid in full?

How would I be able to delete late payment from accounts that are already paid in full and close. Also I have a collection account from a medical bill which is already paid in full. it went to collection because I never received any bill for it since it was sent to an address I never reside at.
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You cant to number 1
The most asked question in credit help to 2.
Thats life.
Negotiate and pay no matter what happened and get it as far behind you as quickly as you can.
If you already paid then you are better off because you have a paid in full account rahter than a maxed out account.
Read this

Charged up and off several credit cards. I paid them off now how do I get them off my report?

A couple of years back i went abroad to study and i loaded about 9 credit cards with stuff. the plan was that my parents were going to pay it back while i was gone, but my father lost his job. long story short, a couple of things got charged off and i've got a lot of negative remarks on my credit.

i dont know my score, but i know that i've got a whole bunch of stuff on there that doesn't look good and are now PAID OFF. is there anyway i can get them taken off considering they've been paid in full, or am i going to have to wait for the whole 7 years thing to go by? i can't even get a small credit card, but i've got an excellent job and no debt. anything i can do? i heard that if i'm persistant with the credit agencies and write them letters explaining the situation, they may be able to clear it up.... is that true? please help. i've just gotten married and we want to buy another home together, but i'm scared that'll look bad...

thanks,
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First get your free credit reports and see what is wrong.

http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
you got to open new good credit and get 2 years of it on the books.

Dispute anything on your report that might be wrong in any way.
http://www.oskie.com/credit-dispute.htm

Try to open 1 or 2 of the old charged off accounts numbers by calling and begging if you pay in full and add a couple hundred to open up with a positive balance. Work with them one year and then ask them to drop the old bad. Credit cards usually report the last 24 months mainly and will often agree to drop old bad if they have new good.
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

let me know what you think