Ok here it go's I have one of those sad stories like a lot of other people on here. I was divorced about 18 months ago. Had pretty good credit before that. I have a few problems now that have caused my credit score to drop to about 545. First I refinaced our home about three years ago. The company I did this with said I would not have a morgage payment for a month or two due to the change over. So a month or so rolls along and I get a letter from my new morgage company who just bought the re-fi from the company I refinaced with saying I am a month late. I paid what was owed but still shows I was 30 days late. I thought this was straighted out way back then. But it is showing up on my credit. Ok next thing. When I recentley checked my credit report it shows I was 30 past on a truck payment. I call them and ask what the heck. They tell me my check was sent back NSF from my bank. I tell them I have my lastest statement from them that shows they recieved my last payment. They say yes but it was sent back NSF 20 days after they got it so it will show up on the next statment not paid. I call the bank and they tell me the money is in my account they don't know why it didn't pay. So they went ahead and paid it. But now I have this on my credit. Last thing I have two credit card that my ex wife had for a month or so after we split. She was late 30 days on both of them one time. Then I got the statements and got them taken care of and caught up but they are still showing up on my credit. Sorry all this was so long but I am new here and have no idea where to start. Any help would be great. Thanks
