I have terrible credit as in ive never paid a bill however ALL that needs to change. Dont know where to start, should i use one of those places to get bad credit deleted Im sure most of it is charged off. Any ideas on how to get started???
I would start by pulling your credit and see what exactly is on there. You can repair your credit yourself. It will take a lot of work but with the help of this website you can do it. Start by letting us know what kind of accounts your have on your credit report and just take it one account at a time. Thanks! Heather with BoostMyScore.NET
I agree with Heather. Provide us with more detailed information from your credit reports, and then we can help you devise a strategy. Don't go out and hire some shady firm that tells you they can get everything that's bad deleted from your credit reports. It'll just be a big waste of time and money.
OK i got it. AD ASTRA RECOVERY SVS IN #6478**3607 N RIDGE RD STE 106 WICHITA, KS 67205 (866) 398-2089 Balance:$315Date Updated:01/01/2012Original Amount:$315Original Creditor:SPEEDY CASH 3 (Financial)Past Due: >$315< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 08/30/2007 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 01/2014 AFNI #203531****POB 3097 BLOOMINGTON, IL 61702 (800) 371-3645 Balance:$183Date Updated:06/07/2009Original Amount:$183Original Creditor:VERIZON INC (Utilities)Past Due: >$183< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: FACTORING COMPANY ACCOUNT Date Placed for Collection: 04/17/2009 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 07/2014 CMI #3158****4200 INTERNATIONAL PKWY CARROLLTON, TX 75007-1912 (800) 377-7723 Balance:$169Date Updated:05/26/2006Original Amount:$169Original Creditor:COMCAST VIDEO DATA (Cable/Cellular)Past Due: >$169< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 02/12/2006 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 08/2012 CONVERGENT OUTSOURCING #4239****500 SW 7TH ST BUILDING A 100 RENTON, WA 98055-2983 (800) 444-8485 Balance:$1,114Date Updated:03/13/2011Original Amount:$1,114Original Creditor:WASHINGTON MUTUAL BANKPast Due: >$1,114< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 01/11/2008 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 10/2013 DESIGNED RECEIVABLE SOLU #HLTHFRE201239****1 CENTERPOINTE DR STE 450 LA PALMA, CA 90623-1089 (714) 735-3000 Balance:$445Date Updated:01/13/2012Original Amount:$419Original Creditor:MEDICAL-MARINA DEL REY HOSPITAL (Medical/Health Care)Past Due: >$445< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 10/24/2011 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 04/2018 HERBERT P SEARS CO INC #B950WES100181****2000 18TH ST BAKERSFIELD, CA 93301 (661) 325-5981 Balance:$469Date Updated:01/03/2012Original Amount:$372Original Creditor:MEDICAL-MEDICAL PAYMENT DATA (Medical/Health Care)Past Due: >$469< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 11/16/2011 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 04/2016 INNOVATIVE COLLECTIONS #70I110237694NK****PO BOX 3500 TUSTIN, CA 92781 (800) 420-3986 Balance:$84Date Updated:12/21/2005Original Amount:$84Original Creditor:UC REGENTS C O UCLA PARKING (Government)Past Due: >$84< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 10/19/2005 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 09/2012 RJM ACQUISITIONS LLC/ MU #87R8046****575 UNDERHILL BLVD SUITE 224 SYOSSET, NY 11791 (800) 268-0623 Balance:$36Date Updated:12/31/2011Original Amount:$36Original Creditor:BMG MUSIC CLUB (Retail)Past Due: >$36< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: FACTORING COMPANY ACCOUNT Date Placed for Collection: 10/01/2008 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 08/2012 Any hope?
Oh wait here's some more! The following accounts are reported with no adverse information. SALLIE MAE #98369305531E00****POB 9635 WILKES-BARRE, PA 18773-9635 Phone number not available Balance:$3,664Date Updated:12/31/2011High Balance:$3,500Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:Monthly for 120 monthsDate Opened:07/01/2009Loan Type: STUDENT LOAN Special Payment: Payment deferred until 07/02/2012 Remarks: PAYMENT DEFERRED Late Payments (29 months) 000Last 29 months SALLIE MAE #98369305531E00****POB 9635 WILKES-BARRE, PA 18773-9635 Phone number not available Balance:$7,021Date Updated:12/31/2011High Balance:$6,000Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:Monthly for 120 monthsDate Opened:07/01/2009Loan Type: STUDENT LOAN Special Payment: Payment deferred until 07/02/2012 Remarks: PAYMENT DEFERRED Late Payments (26 months) 000Last 26 months SALLIE MAE #98369305531E00****POB 9635 WILKES-BARRE, PA 18773-9635 Phone number not available Balance:$6,755Date Updated:12/31/2011High Balance:$6,000Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:Monthly for 120 monthsDate Opened:01/26/2010Loan Type: STUDENT LOAN Special Payment: Payment deferred until 07/02/2012 Remarks: PAYMENT DEFERRED Late Payments (23 months) 000Last 23 months SALLIE MAE #98369305531E00****POB 9635 WILKES-BARRE, PA 18773-9635 Phone number not available Balance:$4,711Date Updated:12/31/2011High Balance:$4,500Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:Monthly for 120 monthsDate Opened:01/26/2010Loan Type: STUDENT LOAN Special Payment: Payment deferred until 07/02/2012 Remarks: PAYMENT DEFERRED Late Payments (14 months) 000Last 14 months TFC CREDIT CORP #T13500****POB 579 SAN RAMON, CA 94583 (925) 838-1222 Balance:$0Date Updated:10/22/2009High Balance:$5,359Last Payment:10/22/2009Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:$150 Monthly for 36 monthsDate Opened:05/26/2009Date Closed:10/22/2009Loan Type: STUDENT LOAN Remarks: ACCT CLOSED DUE TO REFINANCE Late Payments (3 months) 000Last 3 months TFC CREDIT CORP #T13500****POB 579 SAN RAMON, CA 94583 (925) 838-1222 Balance:$0Date Updated:07/25/2009High Balance:$5,359Last Payment:07/16/2009Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:$173 Monthly for 36 monthsDate Opened:04/09/2009Date Closed:07/25/2009Loan Type: STUDENT LOAN Remarks: ACCT CLOSED DUE TO REFINANCE Late Payments (2 months) 000Last 2 months
It looks like your student loans are all in good shape and currently in deferment until later this year. Are you getting prepared to start making payments on those loans when the deferment period ends? Now, on to the rest of the collections. Most of them are somewhat small, which is a good thing. What kind of communication have you received from the various CAs? Have you sent DV letters to protect your rights under the FDCPA and make sure you're dealing with the party that actually has the right to collect the debt? If not, sending DV letters should be the first step you take in the process. If any of this information is disputable, it would be a good idea to begin sending your disputes to the CRAs as well. Also, it looks as though several of these debts are set to fall off your reports this year. If that's the case, you may want to just take a "wait and see" approach with those accounts in hopes that they will just fall off your credit reports on their own.
DV stands for Debt Validation letter. Search the forum any you'll find tons of information about how to properly use a DV letter to your advantage.
