Need help with bad credit report items please!!!
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Posted by leggosyd (198.174.61.83) on May 28, 2002 at 10:23:32:
Someone referred me to this site, and I'm hoping this will be my saving grace. I'm looking to dispute the bad items on my report, and need to know if I have a shot or not. Here's the situation: Charge off item: It's a store card, and was charged off. I paid off the amount back in 1997, but when I checked my report, I saw that this bank is re-reporting this item as a charge off every single month... last updated 4/02. Why are they still reporting this item every month? and can I somehow get it off my credit? Collection item: I went for a hospital visit back in 1998, and the hospital charged me about $53. While I was disputing the amount with the hospital, they sent it to a collection agency. Not knowing the implications and not wanting to deal with it anymore, i went ahead and paid the collection agency. Is it at all possible to remove this? 3rd and final item: I was bad with my chase card.. and I know that. However, I have the account paid off, but my credit report has chase showing up twice (two different account numbers). I only had one account with them. I'm almost sure that if I was able to get at least one of these accounts off my report, it would at least improve my credit score somehow. Is there any merit to this? Sorry if this is long.. but I'm desperate to improve my credit. help!!
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