I have finally descided to clean the mess up of my credit. I was on a good track to restability in 2001 but alas a breakup in my life occured and my other half who paid over half the bills was no longer there. The result: 2 repos in 2002. half a dozen hospital collections 1996-2002. 2 bounce checks to Super 8 motel (got stranded once and no cash in the middle of nowhere. had a super 8 member card so they took my personal checks. Thought Id just have to pay back the prosecuting atty but they chose this route. Ouch, dumb mistake), last rep 7-02 to go off 10-2008. 2 unpaid telephone company accts 1996 and 2001. dish network collection for ducking out of a 1 year commitmen to satelite svc lst rprt 9-2001, to go off on 11-2007 1 Cap 1 joint cc lst rptd 9-02 to go off 10-2004 1 direct merchants bank cclst prt 12-02 to go off 9-08, 1 installment loan last reported 6/97 to go off 1-04, 1 first premier cc, lst rpt 1-03 go off on 4-08. 1 Providian (God love em) cc, lst rprt 9-02, go off 10-2008. Dish direct (yet another satelite company. go off 2005. there might be another one or two floating on another CRA though I couldnt find any.. apprently TU split my file as I requested one online from them yesterday and all it had on it was 2 of the 2002 hospital bills in collection and 1 inq. said I have had this credit file for 6 months when justifying the bad 559 score. that plus the 2 files were in derog. I presume the rest of my file is somehwere on their database. Im not sure how this occured. I dont make any inq on it myself. yesterday was the first time I saw my report in a couple years. Anything I should or shouldnt do regarding this? Are any of these derogs given the datesand what they are going to be worthwhile attempting to have deleted?? I am learning a lot with my reading about credit experiences in the last week. Heres a good joke to show my naivity.. i assumed that when you file a chapter 7, all the actual negative trades simply evaporate alltogether off my file. haha.. it has made me think twice about filing. of course if I end up realizing that filing is the only help I may have to do it. Id much sooner romve the garbage and just live a wiser person in the future. I have read a fair amount, but isn't it going to be tedious and perhaps futile to contest these entries? I mean I seriously doubt its humanly possible delete a repo.. but again I am naive. I am totally dumb about what to do about fighting these entries. they are obviously legitimate. just had some hard times and bad choices here and there. I do have three other closed trades on my reports. the times I paid wells fargo cars off a couple times. though even these dont reflect long history as one car i paid off in 18 months and the other after only 6 months. Any help on how to get started would be quite helpful. either post or email me. I would very much like to see a D grade credit before I die. thanks for any help.
Cleaning The Mess Up.. Help Hi again.. I dont mean to be playing the "dumb blonde", but if someone could point me in the right direction of knowing if it would be worthwhile considering the entries I have to try to remove them, or is the nature of some of them going to dictate a BK is in order. Experian has about 13 addresses for me, most are correct former addresses, a couple of the places Ive never lived at. is it possible to get all but my current one deleted? and if so how will that help me and how easy is it to do? and should that be the first I try to do? Or should I try to straghten out the TU possible split file problem? Help.. anyone.. thank you
Cleaning The Mess Up.. Help First thing is to get all your previous address off. Normally a phone call to the CRA can get it done. Not sure about your split file. Sometimes BK is the way to go. It depends on the situation. I've been told that BK is better to protect your assets more than cleaning credit. Some people have had good experience rebuilding credit after BK faster than going through a credit clean up. Every case is different.
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 its 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, its not a bad thing, its a good thing for your credit. I know its lame, but continue reading. Yes it will be long and drawn out, but no, its 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 its 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 have found when it isnt there it isnt even missed. 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.
