[jlynn]

Originally Posted by theoneuafter

2nd Neg.
Individual Acct.
Date opened: 9/2003
Date reported: 9/2006
Last payment: 1/2005
Major delinq 1st reported: 9/2006
Balance: $0
Past due:$0
Acct. Status: charge off
Credit limit: $0
Months reviewed: 34
Type of Acct: Installment
Secured Loan
Charge off amount: $3907

I would argue that if there is no balance due, nor a past due amount, then it could not be a charge off. Was this account really an installment loan?

3rd Neg.
Verizon Wirreless
Individual Acct.
Date opened: 7/1994
Date reported: 11/2007
Last payment: 1/2002
Major delinq 1st reported: 7/2006
Balance: $682
Past due: $682
Acct. Status: charge off
Credit limit: $0
Months reviewed: 16
Type of Acct: Open
DISPUTED ONLINE



4th Neg.
Verizon Wirreless
Individual Acct.
Date opened: N/A
Date reported: 6/2006
Last payment: 1/2002
Major delinq 1st reported: 11/2003
Balance: $682
Past due: $682
Acct. Status: charge off
Credit limit: $0
Months reviewed: 11
Type of Acct: Open
DISPUTED ONLINE: This is the same as #3 Different acct. #'s though, but same exact amout???? Can one place have 2 neg's for same past due bill?

Dispute 3 and 4 as duplicates.

Collections:
1st
Individual Acct.
Date Reported: 12/2007
Date Assigned: 12/2004
Orig Amount Owed: $152
1st Delinquency: 5/2003
Balance Date: 12/2007
Balance owed: $152
Status Date: 12/2007
Status: D-Unpaid
Comments: Medical



2nd
Individual Acct.
Date Reported: 12/2007
Date Assigned: 12/2004
Orig Amount Owed: $165
1st Delinquency: 5/2003
Balance Date: 12/2007
Balance owed: $165
Status Date: 12/2007
Status: D-Unpaid
Comments: Medical

Since this is an Equifax report, are these two tradelines in the Collections section of your report?

JUDGEMENT:
Date Filed: 9/2002
Case#: 12324abcd
Court Name: Space is Blank
Court Address: New York
Plaintiff: Portfolio Recovery SVC
Defendant: Me =)
Amount: $4085.00
Date Reported: N/A
Status: N/A Space is Blank
Verified Date: Space is blank
Comments: None

You dispute this as failing to report completeand accurate information. List each individual data field that is missing information.

Do I have to send disputes for each account to all CRA's?

If an account is reporting on all 3 CRAs, you will need to dispute each directly with each CRA.

What credit Monitoring Service would be the best one for my situation?? I think I would need to be able to view/print my report and score almost weekly to ensure progress.

People seem to have good luck with truecredit.com . Please note that the scores are FAKOs not FICOs. While they are good for gauging your progress, they are not "real".

I work full time and make descent money now and am very anxious to get the ball rolling to better credit. As you can see, I made ALOT of terrible choices with my credit and really want to fix it properly. I am in no way trying to avoid paying anything. I am looking to be able to pay it off properly and as beneficially as possible for my score.

Alot of this stuff is very old. I suspect while trying to dispute these, you need to reestablish credit (which the secured card will help with). Expect to see a score fall when your new TL's first begin reporting. It will take some time...be patient.