old accounts?!?!?!?!?!?!

What's your mid-score? I'm a credit consultant and might be able to give you free advice.

Never close accounts that are in good standing. That credit history is invaluable. Ignore Javan's "Free" advice as he is just trying to drum up business.

I was just going to suggest to keep a few of the older accounts that reflect as good to the Credit Bureau. And address any late pays with a Creditor Late Dispute letter.
Which is actually a good idea :D

what is a creditor late dispute letter and where do I find one? Thanks so much!

I'm sure you could google a sample CLD letter, but I can't give you mine. (They're a trade secret from my company and I could get sued)

The CLD letters are used to dispute late pays that are on an account. Which can help, because your payment history is 35% of how you score is based.

Were you late or is the late payment being erroneously reported? Per the FCRA, you can dispute the accuracy of anything being reported. You can simply file a dispute with the reporting agency as "Never Late". This will either be confirmed or corrected by the data furnisher. If you actually were late, tehn do a search for Goodwill letters.

And Javan....there are no "Trade Secrets" only shady practices by even shadier companies....

That is absolutley correct.

Nascar as far as being "shady" we as a company(Accurate Credit Experts) do not have anything to hide. We are registered with the BBB, Secretary of State, and we are also bonded. Our company/program has no hidden fees everything is given in writing up front. As far as the "Trade Secrets" is all in how you use the laws agianst the collection agency/origional creditors to make them validate the information that they are reporting and how you word the letters depending on what you are going after.

All information freely available on this site and many others.

exactly right nascar.i will be watching javan VERY CLOSELY.

True, "most" information is available freely on sites. But we dont only use the consumer protection laws. We use other laws as well to get items removed. Paul, watch "VERY CLOSELY" all that you want, i am here to give advice and if people need professional assistance i will be more than happy to help. Also remember that the proof is in the pudding! We have results less than 30 days old that show out of 27 accounts we received 15 deletions. That is over a 50% deletion rate in case your calculator is not working. We dont tell you what we can do we show you you. If you have any questions about our company or what we do feel free to ask for our number and speak to our General Manager. His name is Darrell and his email address is email removed. Have a wonderful day!

i removed that email javan.you are not going to get business here.follow TOS rules.

Well that e-mail was for you paul and nascar so that if you had any questions or wanted to make any more allegations. If you would like to know how a legal credit restoration and education company works and the things that they have to have in place i will be more than happy to tell you.

send me a PM and i will give it a look that way.just having that info out like on the forum is not cool.so pm me and we'll go from there okay?

I would be very anxious to hear about these "other laws". fdcpa, FCRA, Chap 392 of the TFC pretty much sum it up in Texas.

Well Nascar you are missing 3 other laws that protect consumers. Two of which are Consumer protection laws, one is not. Now if i told you what those laws were and how to use them i would not be in business, now would i.

so enticing.