Hi!! Of course I am a newbie. I am trying to repair me and my fiances credit before we get married. We will wait to tie the knot till we both have good credit. But I dont know where to begin. On top of everything, I am originally from Texas. Moved to Illinois in 1998, and recently back to Texas in August of this year. He is from Illinois and moved her to Texas with me in August.Not sure what collection agencies can do what. I have pulled both of our credit reports. Mine includes: Collection agency phone company Original amt: $1xxx Date Opened 8/2003 reported since 6/2004 Recent Balance: $8xx phone company Original Amount $1xxx Date Opened 12/1999 Reported Since: 12/1999 Recent Balance: $1xxx as of 3/2000 Collection agency Energy Company Original amt: $2xx Date Opened: 07/2003 Reported Since: 10/1999 Recent Balance: $2xx as of 11/2003 Collection agency something Original amt: $7x Date Opened: 9/1999 Reported Since: 3/2001 Recent Balance: $7x as of 03/2001 I believe the first 2 are the same His include: colleciotn agency cell phone Original amt: $7xx Date Opened: 12/2003 Reported Since: 03/2001 Recent Balance: $1xxx Also he did debt consildation that took over 4 accounts that he pays on consistemtly. These accounts show as adverse accounts on his credit report card Balance $0 Remark: Purhased by another lender card Balance $4xx Remark: Managed by debt counseling service. store card Balance $7xx Remark: Account closed by credit grantor credit card Balance $0 Remark: Purhased by another lender OK what do I do next?? Please Help!!!!!!!!!!!!!!! JMA
You probably shouldn't post specifics like this here, especially agencies and exact dollar amounts. There have been instances where members of these agencies have been reported to be lurking here, and things from here being used against people. Immediate advice would be to go back to your post and use the "edit" function, and take out anything which could be used against you. I would imagine that your first step should be to send a letter to each of these, demanding validation. I'm personally dealing with one of the agencies on your list....contact me privately and I can give you more feedback, including the name of a person you can write to at the agency.
Change Done. Is that enough? So do I send the letter to the original company or the collection agency? Can they still collect in another state? How do I contact you by email? Thanks! JMA
That should do it. If you're going to go to battle with them, best to not let them know what's coming! One of the steps which can affect how you would proceed, is to find out if the debt has been purchased. That's one of the items which I've seen in some of the sample letters which are available on this board....demanding evidence that they are licenced to do business in that state. You should be able to click on my name at the top of this post, and see an option to send mail....
