Confused what step to take

[jjgross]

Originally Posted by sickboy0122

my quess on those "Date Opened" things, is the date the CA opened the account. Meaning maybe it went from OC to CA at that time.
Im having somewhat of an issue as well... Alot of my old debt has fallen off (SOL) and I was rather surprised when I pulled my credit reports. All though I got mine from free credit report dot com, and paid the 25 bucks for all three reports and scores. If I were to dispute on that would it take 45 days? Also, I made a payment of $33 to an OC with the intent to pay the rest of the $100 to pay it off the next week, well I get this call from a CA stating that they have the account now, and that I owe them. They gave me a balance of .90 cents more then the original. After haggling with that back and forth I just paid off the OC and now owe nothing occording to the OC (Tident Asset, Orien, or something like that) Now I get a call today from that CA saying that they will report this debt to the bureaus if I dont pay them. They also mentioned that the OC (Trident) cant remove this from my report but instead the CA can. I dont know what the hell to do... Should I pay the CA too, and wait it out and see if i get some sort of refund later? This is driving me crazy.... lol

What contract did you sign with the ca?if you pay them you will never get a refund.Did you get a paid in full from the oc?I would not pay the ca them 1 dime. Yes they can go 45 days on a free report.Also read through the beginners guide,and follow the step by step. I used to live in La Mesa and Lemon Grove until 10 years ago

[vgee]

ive just started the process of repairing my credit. I ordered a credit report online from all 3 cra and first i disputed my address and personal info. I decided to do everything online and then what ever doesnt come off i will dispute in letter..Im just sort of in a hurry cuz i want to be able to rent by september...Oh i also live in Lemon Grove...

[jjgross]

Originally Posted by vgee

ive just started the process of repairing my credit. I ordered a credit report online from all 3 cra and first i disputed my address and personal info. I decided to do everything online and then what ever doesnt come off i will dispute in letter..Im just sort of in a hurry cuz i want to be able to rent by september...Oh i also live in Lemon Grove...

The problem went you dispute a tradeline on line.There's only so many choices you have,and doesn't really get to some disputes that would cover payment history etc.Lemon Grove was a really good place to live still have a few friends there.

[vgee]

oh ok well i just did my personal info so far???do you think thats ok?

[jjgross]

Originally Posted by vgee

oh ok well i just did my personal info so far???do you think thats ok?

That should be ok.The rest of it should be on paper so you know what you disputed and don't dispute for the same reason.

[vgee]

JJ you have been very helpful...Do you think it will be ok to also dispute my personal info through mail also...Only because they wouldnt let me update all my info or dispute all info...Especially Experian, wow they had about 5 entries for the same addresses, and some they would let me dispute and some they wouldn't will they remove all entries for for the same address? anyway I thought just to be thorough or anal...lol i would follow up with handwritten disputes...what do you think?

[jjgross]

Originally Posted by vgee

JJ you have been very helpful...Do you think it will be ok to also dispute my personal info through mail also...Only because they wouldnt let me update all my info or dispute all info...Especially Experian, wow they had about 5 entries for the same addresses, and some they would let me dispute and some they wouldn't will they remove all entries for for the same address? anyway I thought just to be thorough or anal...lol i would follow up with handwritten disputes...what do you think?

Writing is best for everything including personal info,Some address's can't be removed because some accounts are tied to it.

[chane]

Originally Posted by vgee

I decided to do everything online and then what ever doesnt come off i will dispute in letter..Im just sort of in a hurry cuz i want to be able to rent by september.

We advise not to dispute anything online and we give very good reasons for it. It's not just a suggestion or something we pulled out of our ass one day. It's what works. Doing otherwise can sabotage your whole efforts.

Taking 'shortcuts' will actually delay your process or completely kill your chances. With credit repair, you usually only have one shot at this and I can't express that enough. If you make a mistake now, you will probably NOT be able to fix it later.

So, please make sure you read everything extensively before acting. It's incredibly important to your financial well being and I'm sick of seeing people do this wrong. I hate the CRAs and I want you to win this game! They destroy people's lives and as a member of this forum, I don't want you to be one of those people.

[CreditRepairCompanies Jim]

polapony, there are so many issues here you might want to consider hiring professional help. The credit repair companies are NOT all scams, although some of them indeed are! It's just a matter of knowing how to choose a good one.