Got Credit Reports...have questions

[wdsman1]

I received my credit reports in the mail today I have a few questions. So far I have opted out (it was stated on my report that I have opted out)

1. I settled a credit card with Citibank the end of last year. I was sued so I did not have a choice. What are my options of getting this off my credit report?

2. Is there anywhere to find an example of a 623 letter to the original creditors?

3. My student loan was 90 days late 3 years ago. I have been current since. Would they possibly consider removing this if I explain my hardships?

Thanks in advance...

[chane]

Originally Posted by wdsman1

1. I settled a credit card with Citibank the end of last year. I was sued so I did not have a choice. What are my options of getting this off my credit report?

I would start off by disputing it.

2. Is there anywhere to find an example of a 623 letter to the original creditors?

We don't have any 623 sample letters here. If you find a good one, post it please.

3. My student loan was 90 days late 3 years ago. I have been current since. Would they possibly consider removing this if I explain my hardships?

Thanks in advance...

A goodwill letter? They might. It's worth a try!

[wdsman1]

Actually the Citibank card that was settled is now off my report. It was on the online report but now it is off both the online and mailed reports. I guess that should make a slight improvement.

I disputed my old address and old employers. They had info on there that was from when I was in high school and I am pushing 30.

I also found an error with my student loans. My student loan is separated into two accounts for some reason. I make a single payment and they split the payment up into each account. They have me 90 days late for in 2005 and 90 days late in 2008 for the others. I disputed this with the CRA's.

I also have a Chase CC that was sent to an attorney/collection agency in 2008. My lawyer that was working on my citibank account sent something to them and I never heard anything else from the the chase attorney or chase. My lawyer said no news was good news. There is also roughly a $1500 difference in what the attorney said I owe and chase has on my credit report. I sent copies of this to the CRA's.

I really hope that I can get my credit score improved. I will post back when I hear something new.