Hello,
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Im new to the board. I want to rebuild my credit. I’m turning 31 this month and I’ve had roughly the same score(s) since I was 21. Credit history ranges from auto loans, student loans, credit cards including store cards. Charge offs, late payments, near high limits, over high limit, pretty much everything except bankruptcy. In 2002 I consolidated credit cards, which helped a lot. My score at that time was roughly the same as it is now. Was able to buy a motorcycle and a $30k car. Without going into details, life altering events prevented me from raising my score higher. In fact im sure it dropped significantly. In 2008, I signed up with Lexington Law for about 6 months. But didn’t renew the binder because I was having problems with my spouse at the time. So I don’t even know if they helped at all.Â
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Fast forward to 2010. Presently, my scores are listed below in the sig. Im tired of not getting the best rate for anything. Recently, I disputed almost everything I could dispute. The charge offs, the late payments, etc. – even if I knew they were accurate negative information. To my surprise things did get deleted. Not everything but a few old accounts and such. I have not checked my score since. I do have a few questions. JP Morgan Chase, who bought First USA bank sometime back sent me a letter asking if in fact I opened an account back in 2001? They even included an email from an old email account about me asking First USA if they could increase my credit limit since I have been making payments. At the time my limit was $5000 but had a high balance of $6100. Per Experian, this has been paid off legally in 2006 for less than the full balance. Transunion deleted the account. Experian didn’t. According to the Experian report, its supposed to be removed 05/2011. I think its Equifax that in communication with Chase since the dispute is still pending. Â
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Should I ignore the letter? Should I say I didn’t know about the account? Should I say yes, that’s my account?
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Thanks in Advance!
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Chris