Accurate Credit Report...advice????

[ljessica]

I have been lurking for a while; this is my first official post. I have been working on my credit repair for a good year and a half without any forum advice (didn't know about you guys!). During that time I accepted waiting out the SOL, but after reading so much from this site I am excited at the thought of getting this cleaned up a lot sooner.

I have had success with CRA's deleting erroneous information. All 3 reports are completely accurate and pretty much have the same information. Since reading the information on this site, I have sent a letter to the CRA's to remove my previous name (which ALL of the baddies on my report are associated with) and to remove the previous addresses and employers. I have spent the last week trying to figure out how to tackle the TLs. Because all the information is accurate I am unsure how to proceed. I live in South Carolina, no license or bond requirements.

Any advice would be appreciated! Here are my bad TL's.

Applied Bank
(Balance owed $916)
SOL August 2013

Chase
(PAID)
SOL October 2013

Credit One Bank
(PAID)
CACH, LLC Purchased
SOL August 2013

Midland Credit Management
Zales OC
(Balance owed $660)
SOL January 2014

Palisades
First USA OC
(Balance owed $276)
SOL December 2013

CACH, LLC (PAID)
OC Credit One Bank
SOL August 2013

Midland Credit Management
OC Aspire (PAID)
SOL October 2013

RJM ACQ LLC
OC WAMU (PAID)
SOL (????)

American General Finance
Past Due Amounts
SOL 2013, 2014

American Honda Finance
Past Due Amounts
SOL 2013, 2014, 2015

First Premier Bank
Past Due Amounts
SOL 2013

[chane]

It doesn't matter whether they are accurate or not. What matters is if they can verify it or not. You can send them dispute on any accounts asking them to verify it or remove it. The burden of proof is on the CRAs.