To say the least I f*c%ed my credit up when I was in college. I was not one of those kids who was bank rolled by their parents.
Anyways I have put an edited copy of my CR at for all of you to see my derogs. All of my scores hover around 610. I am finishing grad school this May and it would help my employment prospects if I had a better report.
If you looked at my CR all the accounts in collections are utilities. I moved out of an apt without switching the names over and I got screwed by low-life roomates.
On Monday I sent of validation to all the CAs listed on my report.
I am going to attack the charged off MBNA acct soon. I need to study more though. Its been charged off for about 2 yrs now.
*Can anyone speak from experience about MBNA? Has anyone sucessfully deleted a charged off MBNA?
*Also when people say 30 days is it 30 business days or regular calendar days (including weekends)?
One note: Ensure that you dispute with the CRAs immediately right after you receieve your green cards back. I am assuming you sent the validation requests certified mail with return receipt. One note to be careful of is be wary requesting validation from a CC if the SOL is not up yet. They may come after you.
No experience with MBNA. sorry.
It is 30 days PERIOD.
What state are you in? The SOL may be passed for collection already?
I'm in PA. I believe SOL is 4 yrs which is 1 yr. But if you look at my 3-1 from the URL I posted the 3 companies have dates that differ by a few months.
One entry has 99 others have 00. Which one applies?
It looks as if the MBNA is around 3 years old. I doubt the utility companies will come after you. Too little money for them to worry about. I'll bet you get half of your stuff removed by just disputing online and a few more on the 2nd round of disputing. That is typical for most people. After that it gets a little harder. If the first time you dispute as "not mine" then on the 2nd round dispute them as having incorrect dates or account #s....
I was looking at your sig. Man you have made some quick improvements. How did you do it?
Are the Ca's you mentioned licensed to collect in your state? (links in my signature).
I would be kinda careful with MBNA and make sure it is past the SOL, because a poster or two said they are getting sue happy. (I'm not trying to scare you :wink: )
From what I understand PA doesn't require licensing. Am I wrong?
First you gotta read and learn. Ask lots of questions. I read these boards for months before I began this "journey". You can see a little more background here...
No, they dont :cry: ...........wow, that was helpful
What about if the CA is out of state? Do they have to be licensed in their home state to collect in PA?
My educated guess would be they have to be licensed in their home state (if it requires licensing).
I am editing my post.
license must be valid to collect, but they can collect in a state that doesn't require them to be licensed.
Sorry for the confusion :oops: