[Sue1981]

Hi, I am a newbie here and have done lots of reading today. This is the place I will be visiting for the next many months! I got my credit report today as well as my score, which is only 583. I only got my equifax report and score, do i need to get the others as well?

I have debt, but i'm always ontime. Besides my car loan I have a loan through my credit union $4,000 and One is a credit card with zero interest for a year $8,000.

My biggest concerns are the collections I have.....

1. is from 2005 which was paid in full (1400) in 2005 to an apartment complex. It went into collections and I was never even notified of it until I got a call saying I owed that amount.

2. is from the same as above (duplicate)

3. is from Comcast for not returning the cable box....owe $500 this was from
9/2007

4. is from an apartment for $238 for not turning in a 30 day notice to move
out on time....only a 20 day notice was given

Where do I even begin to get these hopefully removed from my report?

The details of them are as follows...
1 shows as....
FEDERATED COLL BUREAU INC
Agency Address: PO Box 1484
Norcross, GA 300911484
(770) 446-6017
Date Reported: 03/2008
Date Assigned: 09/2004
Creditor Classification: Rental/Leasing
Creditor Name: **********
Account Number: ******
Account Owner: Individual Account.
Original Amount Owned: $1,442
Date of 1 st Delinquency: 06/2004
Balance Date: 03/2008
Balance Owned: $0
Last Payment Date: 21/02/2005
Status Date: 03/2008
Status: P - Paid
Comments: N/A

2 (duplicate) shows as
FEDERATED COLL BUREAU INC
Agency Address: PO Box 1484
Norcross, GA 300911484
(770) 446-6017
Date Reported: 04/2005
Date Assigned: 09/2004
Creditor Classification:
Creditor Name: ARCHSTONE MEMORIAL HEIGHTS
Account Number: ******
Account Owner: Individual Account.
Original Amount Owned: $1,442
Date of 1 st Delinquency: 06/2004
Balance Date: 04/2005
Balance Owned: $0
Last Payment Date: 21/02/2005
Status Date: 04/2005
Status: P - Paid
Comments: N/A

3 shows as
CREDIT MANAGEMENT
Agency Address: 17070 Dallas Pkwy
Dallas, TX 752481950

Date Reported: 03/2008
Date Assigned: 11/2007
Creditor Classification: Cable/Cellular
Creditor Name: COMCAST HOUSTON
Account Number:*****
Account Owner: Individual Account.
Original Amount Owned: $668
Date of 1 st Delinquency: 09/2007
Balance Date: 03/2008
Balance Owned: $541
Last Payment Date: N/A
Status Date: 03/2008
Status: D - Unpaid
Comments: N/A

and 4 shows as
RESIDENT DATA, LLC
Agency Address: 12770 Coit Rd # 1000
Dallas, TX 752511336
(972) 952-1480
Date Reported: 03/2008
Date Assigned: 12/2007
Creditor Classification: Rental/Leasing
Creditor Name: *******
Account Number: *******
Account Owner: Individual Account.
Original Amount Owned: $238
Date of 1 st Delinquency: 09/2007
Balance Date: 03/2008
Balance Owned: $238
Last Payment Date: N/A
Status Date: 03/2008
Status: D - Unpaid
Comments: N/A


I will add that I have not recieved anything by mail from the 2 unpaid ones. I have moved a few times though. Where do I start? Validation letters? Name and address changes?

Any help is greatly appreciated, hoping to buy a house very soon.


SUE

[jlynn]

I would dispute 1 and 2 as duplicates and see which falls off (likely #2) as it hasn't been reported on in 3 years.


3. I would DV and dispute with the CRAs. Are you in TX? Did you turn in the box?

4. You might want to attack this based on the landlord tenant laws of your state. There are timeliness of notifications, bills, etc. laws that vary from state to state that might can be used.

[apexcrsrvc]

Use the TFC for CMI.

[Sue1981]

Ok what I have done today is contact CSC credit services by phone to update and delete address/incorrect names on my Equifax report.......she updated them while I was on the phone. Hope that helps me some. Think it will?

So, now do i contact each CA by mailing them the validation letter including the TFC? Or do I wait 30 days to see if anything was deleted by chaning the addresses/name on my report?

Oh, and is it ok if i do this one CRA at a time or do I need to go ahead and pull TransUnion and Experian? This is a little overwhelming, but definitely worth it.

Thanks!!

SUE

[riefderrico]

What is your goal? Are you looking to purchase a home or auto, or just looking to obtain a good credit rating?

You will need each of your reports, they (the bureaus) do not share info. You may have additional information on the other reports that may need to be addressed.

You are on the right track - give youself a pat on the back! There is quite a bit of valuable info here that should help you reach your goal.

[jlynn]

Originally Posted by Sue1981

Or do I wait 30 days to see if anything was deleted by chaning the addresses/name on my report?

That alone will not generate deletions. Deleting old addresses and such makes it harder for accounts that you dispute to be verified.

Oh, and is it ok if i do this one CRA at a time or do I need to go ahead and pull TransUnion and Experian? This is a little overwhelming, but definitely worth it.

Thanks!!

SUE

There is really no wrong way to do it, but IMHO, you should get all 3 reports, and rather than focusing on bureaus, focus on tradelines. That would mean disputing the same tradelines across all bureaus that are reporting them at the same time.