In 7/2001, I was totally unaware what a steaming pile my credit was. I was in tears when I was dissed for a savings account. I have no idea how I found this board, but it was a blessing. I never knew it was possible to repair. I have been more successful than ever imagined. TU is my huge pain, however. OK, here goes. EQ 7/2001: 1 judgment, 1 paid charge off, 2 medical collections, 1 library fine 12/2001: 1 judgment, 1 medical collection EX 8/2001: 2 paid charge offs, 2 medical collections, 1 library fine 12/2001: 1 paid charge off TU 8/2001: 2 paid charge offs, 2 medical collections, 1 library fine 12/2001: 1 paid charge off, 2 medical collections This is amazing. I am suing the two medical collectors for failure to obey the FCRA and FDCA, and other offenses. I also intend to keep disputing my paid charge off with EX and EQ and sue if they fail to do the right thing. I currently hold these cards: Citibank Div. Plat. Select MBNA Barnes and Noble AMEX student green AMEX gold Delta Skymiles Target Orchard Sterling Fingerhut First USA student Yahoo! I intend to go debt free on my Orchard, Sterling, and Fingerhut using MP$40's Quicken link and cancel these cards by 4/02. I also have a Dell computer loan. I am a member of Wachovia, doing checking and savings there. I also am going to join 1-3 credit unions and start working with them. I am awaiting status from: Macy's Nordstrom's MBNA Citibank I was most recently denied: Discover student (LOL) AMEX blue for students Bank of America Alaska Airlines classic I have TOO MANY damn inquiries and NEED to STOP! I know I AM OUTTA CONTROL!!!!!!! Seriously. I MUST stop or my scores will NEVER rise. I need HELP to do this It is SO SO hard to not bite. My goals for next year: Get to the 700 club. Limit myself to applying, especially on Equifax. Work to get inquiries off Equifax and TU. (Experian is fine with cooperating) Close crap cards. Increase good cards. Do the secured loan thang. Get an auto loan. My goals for 2003: Get a nice condo. Get AMEX platinum. If I could do one thing over, I would NOT apply for so much credit, hoping to be an exception. Anyways, hope this helps the newbies. And Planetfeedback can be your best best friend
also a Library Felon, all 3 CRA's LIBRARY FELON !!!! Reported by Experian as Collection/Negative Tradeline: Unique National Collections 515 Michigan Avenue Jeffersonville, Indiana 47130 Account xxx Original Creditor : XXX Public Library Status : NO STATUS. Status Details: This item was verified on 5-2002 and remained unchanged. Date Opened : 06/1999 Type: Installment Reported Since :05/2002 Terms : NA Date of Status: 05/2002 Monthly Payments: $0 Last Reported: 05/2002 Responsibility: Individual Credit Limit/Original Amount: $80 High Balance: NA Recent Balance $55 Recent Payment: 0 Your Statement: Account in dispute under Fair Credit Billing Act Reported by Equifax as Collection Account included as Public Record: The following public record information has been added to your credit file or changed on your credit file. Public record information includes bankruptcies, liens, garnishments, foreclosures or legal items. Collection accounts, while not public records, have been included in this section as well. Collection account concerning XXX PUBLIC Library was reported on 06/1999 with a status of Account Disputed. Reported by TransUnion as Collection Account : Delinquent/Derogatory Account Summary Information Number of Accounts Number of Accounts in Collection: 1 Acounts In Collection Detail XPUBLIC LIBRARY $80 6/01/1999 Charge Card, Individual Delinquent/Derogatory Account Summary Information : number of Accounts in Collection 1
Re: also a Library Felon, all 3 CRA's And the library verifies? There is no end to what I need to worry about!
