[DarkSergeant]

I've got three CA TL's currently reporting - all micro-amounts, $105; $255; $278.

They are two utilities and one closed checking account. None of the OC's are reporting.

What would you do here - basically, I'm really about frustrated with having less than $4000 worth of bad debt ruin my credit. And most of the bad debt TLs are held up in these three account (have one eviction/judgement, one chargeoff headed to collection apparently.. blah).

Of these three CA's, none of them are even attempting to collect.

So I'm leaning towards two different processes here...
Process 1:
1) Dispute, incorrect info (most of them have dates all jacked to hell)
2) If verified, Validate.
3) If validated (or choose not to, they were all bough in 05/06), then settle for deletion; PFD; PF Closed, whatever they'll do.
4) Re-verify in 6 months since they probably won't give a sh*t anyhow.

Or, Process 2:
1) Ask for Settle for Delete NOW (without using phrasing to be construed as actual assumption of debt)
2) If won't offer to settle, offer PFD and/or settle for closed, etc.
3) Change address (since I'm moving in a month and half any how..)
4) Dispute old address associated with these accounts.
5) Wait a couple months, Dispute simply as "not mine".

I understand the litigious mindset - but honestly, these people aren't harassing me. The amounts aren't inflated and I would be totally happy with the TL's just going away

[hannah]

Jlynn is our resident expert on credit reporting issues. She will be along shortly either tonight or in the morning. Be patient.

[DarkSergeant]

Thanks so much. I've actually spoken to jlynn a bit already over at creditnet, perhaps I should jsut PM the details of what I'm thinking..

Still new to the credit repair train of thought. Right now I'm going through that whole "I have a pretty good idea of what my goal is, and I'm just realizing how to do it ... but where to start?"

Already did the basic start, pulled from the CRAs (still waiting on paper copies though...)

[hannah]

Originally Posted by DarkSergeant

Thanks so much. I've actually spoken to jlynn a bit already over at creditnet, perhaps I should jsut PM the details of what I'm thinking..

Still new to the credit repair train of thought. Right now I'm going through that whole "I have a pretty good idea of what my goal is, and I'm just realizing how to do it ... but where to start?"

Already did the basic start, pulled from the CRAs (still waiting on paper copies though...)

If you keep it out in the open forum it may help others. She's probably in bed by now and won't be back on until early tomorrow morning anyway.

[jlynn]

Hey Dark,

It would really help to know who the CA's are that are reporting. It really does make a difference sometimes in how you go about making them disappear.

Hannah knows my schedule....

[DarkSergeant]

Hey Jlynn -

Here's the full info on the CA's that are reporting - this is from Expeian (easiest to copy and paste..): My notes are in bold.

Account went delinquent, never to recover, 08/05
CRED PROTECTIONS ASSOC
Address:
1355 NOEL RD SUITE 2100
DALLAS, TX 75240
No phone number available Account Number: 1287215995 Original Creditor: COX COMMUNICATIONS-CLEVELAND
Status:
Collection account. $102 past due as of Jul 2006.

Date Opened: 01/2006
Type: Collection
Credit Limit: $102
Date of Status:
10/2005 Terms: NA High Balance: NA

Reported Since: 10/2005 Monthly Payment: $0
Recent Balance: $102

Last Reported Date: 07/2006
Responsibility: Individual Recent Payment: $0

_____________

Account went delinquent, never to recover, 08/05
CBCS
Address:
PO BOX 5426
AKRON, OH 44334
(800) 934-8522 Account Number: 9072406229
Original Creditor:OHIO EDISON-RESIDNTIAL/CLEVELA

Status: Collection account. $255 past due as of Jan 2008.
Date Opened: 08/2007
Type: Collection Credit Limit: $255

Date of Status: 11/2007 Terms: 1 Months
High Balance: NA

Reported Since: 11/2007 Monthly Payment: $0
Recent Balance: $255

Last Reported Date: 01/2008
Responsibility: Individual Recent Payment: $0

____________

Account went delinquent ~02/06. This is a closed checking account, overdraft fees, etc.
ANCHOR RECEIVEABLES MGMT
Address:
120 CORPORATE BLVD STE 1
NORFOLK, VA 23502
No phone number available Account Number: 2992508
Original Creditor:NAVY FEDERAL CREDIT UNION

Status: Collection account. $278 past due as of Aug 2006.

Date Opened: 08/2006 Type: Collection
Credit Limit: $278

Date of Status: 08/2006 Terms: 1 Months
High Balance: NA
Reported Since: 08/2006 Monthly Payment: $0
Recent Balance: $278

Last Reported Date:
08/2006 Responsibility: Individual Recent Payment: $0