I am posting a copy of my credit report, just pulled...it's bad Anyway I'm trying not think of the past but the future. I've always been disorganized about paying bills, some being late, etc. but for the past few months I've been really disciplining myself and now after seeing the damage I'm done I'm ready to start cleaning it up, however long it takes. I've been lurking on the board for a few days and I've seen how some of you have went from FICO scores like mine to acceptable ones...I want to be a success story too. Anyway I guess, looking at my report, the only descrepancy is I'm not so sure about that Alltell bill. I can't remember having an alltell phone as recently as '96. The Comfort dental, the first collection is BOGUS. They sat me down and went over exactly how much I could spend to stil be under my insurance...did the work, then all of a sudden their billing office sends me a bill. Now they say the work is already done so I have to pay - found out they did this to an ex co-worker of mine for over 1k. Unfortunately, living on $50 a week (spending money after paying all my bills and gas) for the next 4 months because of move, I can't order all three of my reports. HELP...where do I start?? By the way, my fico - don't laugh..is 558 (went down 8 pts because of Comfort Dental) Collection Accounts Client: Comfort Dental Account Number: 45340XXXX Date Reported: 01/2003 Amount: 89 Balance: 89 Balance Date: 01/2003 Last Activity:12/2001 Date Assigned: 07/2002 Collection Status: UNPAID Whose Account: INDIVIDUAL ACCOUNT Collection Agency Information: Quantum Collections 3224 Civic Center Dr N Las Vegas,NV 89030-4506 Status Date: 01/2003 Note: Client: AML Healthcare Account Number: 9A198XXXX Date Reported: 01/2003 Amount: 139 Balance: 139 Balance Date: 01/2003 Last Activity:10/2001 Date Assigned: 07/2002 Collection Status: UNPAID Whose Account: INDIVIDUAL ACCOUNT Collection Agency Information: Collection Bureau Central 2355 Red Rock St Ste 200 Las Vegas,NV 89146-3106 Status Date: 01/2003 Note: Credit Information Company Name Account Number Date Last Type of Account High Items as of Date Reported Date and Whose Acount Opened Activity and Status Credit Terms Balance Past Due Reported Alltel Communications 177 LVPXXXX INDIVIDUAL ACCOUNT 12/1996 09/1997 Open CHARGE-OFF $0 $0 01/2001 Prior Paying History ACCOUNT TRANSFERRED OR SOLD -------------------------------------------------------------------------------- Arcadia Financial LTD 54451XXXX INDIVIDUAL ACCOUNT 05/2001 02/2003 Installment PAYS AS AGREED $19905 440 $16925 02/2003 Prior Paying History AUTO -------------------------------------------------------------------------------- Capital One 438864172250XXXX INDIVIDUAL ACCOUNT 05/2000 03/2003 Revolving PAYS AS AGREED $345 15 $151 03/2003 Prior Paying History 30 days past due 01 times; 60 days past due 00 times; 90 + days past due 00 times; CREDIT CARD -------------------------------------------------------------------------------- Chadwick's of Boston 14445XXXX INDIVIDUAL ACCOUNT 10/2000 03/2003 Revolving PAYS 31-60 DAYS $280 10 $188 $20 03/2003 Prior Paying History 30 days past due 02 times; 60 days past due 00 times; 90 + days past due 00 times; CHARGE -------------------------------------------------------------------------------- Customized Auto Credit CFM47150-46XXXX INDIVIDUAL ACCOUNT 07/1997 06/2001 Installment PAYS AS AGREED $21205 353 $0 03/2003 Prior Paying History CLOSED ACCOUNT -------------------------------------------------------------------------------- Lerners 58437XXXX INDIVIDUAL ACCOUNT 04/2001 10/2001 Revolving PAYS AS AGREED $250 $0 10/2001 Prior Paying History CHARGE -------------------------------------------------------------------------------- Providian Bancorp 412137130060XXXX INDIVIDUAL ACCOUNT 08/1996 03/2003 Revolving PAYS AS AGREED $3560 104 $3503 03/2003 Prior Paying History 30 days past due 02 times; 60 days past due 01 times; 90 + days past due 01 times; CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT -------------------------------------------------------------------------------- Robinsons-May 6923XXXX INDIVIDUAL ACCOUNT 04/1993 09/1996 Revolving CHARGE-OFF $780 233 $233 $233 12/1996 Prior Paying History CHARGED OFF ACCOUNT -------------------------------------------------------------------------------- Toyota Motor Credit Corp 26-001XXXX INDIVIDUAL ACCOUNT 04/1992 09/1993 Installment PAYS AS AGREED $9740 203 $0 11/1993 Prior Paying History -------------------------------------------------------------------------------- U S Department of Edu Afsa 572230XXXX INDIVIDUAL ACCOUNT 03/2001 02/2003 Installment PAYS AS AGREED $7742 95 $6635 02/2003 Prior Paying History STUDENT LOAN -------------------------------------------------------------------------------- Wfnnb/Brylane Home 92456XXXX INDIVIDUAL ACCOUNT 10/2002 02/2003 Revolving PAYS AS AGREED $420 20 $420 02/2003 Prior Paying History CHARGE
First I would call the credit reporting agency and remove previous addresses from your credit report, by telling them you never lived there. Equifax 888-567-8688 Experian 800-583-4080 Trans Union 800-916-8800 Then I would draft 3 letters, 2 for your collections and 1 for Alltel and dispute with the CRA that those accounts are not yours. Send them Certified/Return Receipt Requested. Then, while you wait for responses, dedicate your time to reading the FAQs and EVERYTHING else you can find on this board. *PS - That Robinson's account looks like it's gonna fall off soon, so you may want to leave it alone. You might want to ask the advice of a 'pro' but people here have expressed concerns that 'messing' with an account that is soon to fall off may re-age it (although this is not legal).
YOU MAY BE ENTITLED TO A FREE REPORT. check the bureaus sites and see. you could also go under the guise that you were denied credit or you will be seeking employment. that will give you a good start. do you have any kind of contract from your dental office? that just seems wrong for them to do that to you. when ins. pays, they have to have it pre-approved. the phone one looks to be closing in on the sol date, check your states sol dates for that type of debt. or ask for validation, for them to prove it's yours. it's a start.
