Starting 2007 I have been cleaning up my credit with an online Lawyer service Lexington Law. (But before joining the online Lawyer service I paid off my Capital one card which now state charged off on my experian report).
Theyâ€™ve helped removed a few unknown & inaccurate statement on my report, and my score when from 530 to 630 with all credit bureau roughly in a year (not all that great but its getting there).
During that time I paid off 2 debts 1) Nelnet Student Loan that was in collection with OFF OF STU FIN & 2) First Union Bank (now Wachovia Bank) that was in collection with RJM ACQ LLC.
The remaining negative reports are from collection agency BTI service & Collectx Inc.
BTI service shows up in my experian report as collection student loan, but this is the student loan I already paid with OFF OF STU FIN collection. Why would it just show up out of no where on my report? This was never on here until now April 2008. I confirmed with OFF OF STU FIN & the original creditor Nelnet Loan that I was cleared of all debts.
The current BTI service status:
Original Creditor: NA
High Limit: $1313
Account status: Closed
Account Balance: $0
Amount past due: $550
Collectx Inc shows up in my transunion report as collection. The strange thing about this is it was on my report under the name Paragon Way which was deleted 2 months ago after a year disputing this unknown item on my report, my transunion score was at 668 until it reappeared as Collectx Inc and now my score is 618.
The current Collectx Inc status:
ORIGINAL CREDITOR: 12 AMERICAN INVESTMENT BANK NA
High Limit: $5091
Account status: Closed
Account Balance: $9745
Amount past due: $0
In addition to all this madness, when reviewing my 3 in1 credit report I notice in the additional information field that experian has a comment stating XPN ADDITIONAL SSN: ***-**-*** (it show the last 4 digits) but is clearly not mine.
I spoke with a paralegal with my online Lawyer service Lexington Law and they basically said they will re-dispute these items and sometimes the collection agencies pay the credit bureaus to add it back on my report.
I would like to take an aggressive approach.
Please advise any strategies I should consider
Any help is appreciated.