I'm stumped. I'm not so sure what is the right answer. I'll do some research in Google and get back to you if I find an good answer. You should email the people at Lending Tree as they probably can help you..

I still pretty new here, but I'd like to try to help ....

First of all, though, I don't know anything about bankruptcy except the majority of what I have heard is to avoid it if at all possible..

I'm sure there are times when it could and should be used, but I am not sure when those would be..

Here's what I think I can help with.

You might be able to get the older ones removed. Try doing a search on this site for "medical collections" or something like that. You can see how other people have successfully asked the hospital to provide proof of the debt, and when the hospital couldn't, it was removed..

Not to scare you, but I think you need to contact Super 8 and get these paid since they seem to be pretty recent. If they are significant amounts, they could be turned over to a county judge and they could have a warrant issued for your arrest. Again, probably not likely if the amounts are small, but you never know. I know it's scary to make the call, but you'll be glad you did..

Again, do a search on this site for "utility companies" or "utilities" and see how others have taken care of these kinds of entries. The older they are, I think, the less likely the company is to still have the info. See how others have done that..

Um ... what's the status of these? Current with lates? Charge offs? You need to see how they are reporting to the CRA to know how to begin to address it. There are different approaches and different reasoning for using different kinds of disputes..

Again, how is this reporting? If you are paying these bills on time every month, it's not a bad thing, it's a good thing for your credit..

I know it's lame, but continue reading..

Yes it will be long and drawn out, but no, it's not futile. Look at all the progress people here have made..

I think it might help you if you set some goals why are you trying to clean up your credit? Do you want a house? A credit card? The peace of mind knowing the report is clean?.

Having a long term goal will help keep your focus ... I know I sound like a self-help book, but I think it really helps. It also can help determine the way you approach your clean-up for example, the things you need to address first..

Also, so much of what you explained is recent, I wonder if maybe taking a look at your finances and ensuring this doesn't happen again might not be the more important step to take right now. Do you really want to clean it up just to mess it up again?.

I'm not being judgemental we have all had problems or else we wouldn't be here but I'm just suggesting that maybe you make sure you are on solid financial ground before you start taking leaps into credit repair..

I hope this helps somewhat. Just try to break down what you are interested in learning about and use the search function. Once you think you know everything you need to know about medical collections, then move on to bounced checks, or whatever..

It can be done! I know it seems overwhelming, but things will change. hang in there..

Maybe someone else can advise you if bankruptcy would be right for you ....

Peace,.

Delilah..

HI, Im not at all offended or feeling judged. What I did was ultimately my choice. I was well on the road to rebuilding in 2000 and 2001 and my rlationship went down the tubes when my other half kidnapped my kids and I had to chase them all over the globe expending about 20,000$ that I had saved up and was using to make some payments and basically save for emergancy. but this turned everything upseide down because by bipolar other half went off the deep end and basically it was all a very costly (financial and emotional) journey. cars got repos, ccs went down the tubes..

I want my credit back for one, peace of knowing it's there and is good. I have little to no desire for a credit card. I may very well need another car down the road when my heap finally checks out. But that would be the only thing I could forsee needing the credit for anytime in the near future. I can take or leave shopping. I live in an area now where it is hardly a temptation.

I was never a huge shopped, but have had my binge at the mall every few months when I did have a couple CCs. ultimately realizing none of it was worth it. paying 20% int and then buying something 400% marked up..

I just want to get it clean and keep it clean. I had a bad time of it when I was young, and that sucked to emerge from. had write offs and a repo then. but waited and then was rebuilding nicely. Not trying to pass the buck on this latest fiasco all on the other half. obviously I made some personal choices that created some of these messes without his help at all..

SO thats where I am at..

Can I just call up the CRA and say all of these old addresses arent mine and were never mine? or do I claim otherwise? Under what graounds will the CRA find it justified to delete old addresses? I thought they are supposed to keep older addresses in the file? Im not trying to have another blonde moment here, but Im guess I should NOT call the CRA and say I want the old addresses removed even though there were mostly my real former addresses...

Any firecion here would be great, thanks..

On my reports I called the CRA and told them that there are addresses that aren't mine. They said no problem and deleted them..

Keep it simple. If you get resistence from having too many, which I doubt, then take what you can get and call back another day and you'll get a different operator...