Ok, so I'm still waiting for the 'official' credit reports that I mailed away for, but since we just opened that Wells Fargo secured credit card, I got an 'alert' from Credit Karma that my credit report had changed, so I logged in to see and there it was, along with my credit reports for TransUnion and Equifax. First thing that has me confused is that I have one tab that says 'Accounts', and in another tab is 'collections.' Accounts In the "Accounts Tab" I have some strange stuff, like an Amex account that it says was opened in 1985. I was 11 years old in 1985. There is nothing 'negative' on the account though. So I'm not 'overly' concerned with it. Next I have a Sallie May Student Loan that was opened in 2000 in the amount of $6,625. There is no payment history on it and the remarks say 'Debt being paid through insurance.' I am not aware of any insurance. In my divorce, my ex-husband agreed to pay that debt, but eventually, he couldn't anymore, and so I believe I had it consolidated sometime between 2007 and 2010, but I can't remember the details. Next is a US Dept of Ed Loan- it says it was opened May 14, 2010 in the amount of $7,375. This account shows Payment Status 120-149 Days Late Worst Payment Status 120-149 Days Late 120 days late 4 times in 2012 and 3 times in 2011. * I believe I have this loan in 'deferment.' But it also says that my amount past due is $0 and in the remarks it says 'transfer.' Next is ANOTHER US Dept of Ed- same open date as the last, May 14, 2010, in the amount of $7,552. Payment Status 90-119 Days Late Worst Payment Status 120-149 Days Late * It also says: Times 30/60/90 Days Late 0/2/4 How could I have been 60 days late twice and 90 days late 4 times, if I've never been 30 days late even once? It shows that my amount past due is $0 and the remarks say, -- Now we come to the next one USDOE/GLELSI Also opened May 14, 2010, in the amount of $8,192. This shows that I am current, and have never been late. And almost last... is another USDOE/GLELSI this one opened Dec 6, 2010 in the amount of $1,811, which also shows as current and never having had a late payment. Finally, under "Accounts" is my brand new Wells Fargo secured cc. I haven't even used it yet, but I will be paying my bills with it this week. Now... Under the "Open Collections Tab" there are (12) items. ARS. Opened Dec 27, 2011 for $514.00 COMNWLTH FIN. Opened January 14, 2015 for $59.00 COMNWLTH FIN. Opened January 14, 2015 for $65.00 COMNWLTH FIN Opened January 14, 2015 for $1,155 COMNWLTH FIN Opened January 14, 2015 for $52 COMNWLTH FIN Opened February 13, 2013 for $$1,213 COMNWLTH FIN Opened February 13, 2013 for $63.00 COMNWLTH FIN Opened February 13, 2013 for $54.00 CRD PRT ASSO (Bright House -cable) Opened Nov 3, 2008 for $488. FID INFO CRP (Apartment) Opened July 6, 2008 for $$6,414 MERCHANTSCOL (County Fire & Rescue) Opened April 1, 2009 for $75.00 MIDLAND FUND (T-Mobile) Opened Feb 14, 2012 for $602.00
