Hiya. Well, I'm pretty new to this board, and I've read and read and read, and my brain is completely fried. Ugh. Sooooo, since I'm failing to wrap my mind around this, I'm wondering if any of you good people would be willing to take a look at these negatives and give me some clue as to where to begin cleaning it up? Be forewarned: It's an UGLY one, and I won't go into the details, we all have our ugly past! Hehehehe....anyway, thanks so much. It's a good puzzle, so if you don't feel up to it, that's cool. Just shut this thing down and move along to the next (hopefully more interesting) post. THANKS! Oh, and by the way -- I'm working now on rehabbing my student loans, so there is that.... I'm hoping I'm not committing any board faux pas by doing this....I'm just desperate for some advice, here, and just cannot wrap my mind around ALL the great advice on here! Thanks SO much.... CAPITAL 1 BK Revolving Account >Profit and loss writeoff< Credit Card Updated: 06/2002 Balance: $1170 Individual Account Opened: 04/1998 Most Owed: $210 Payment Terms: $0 Closed: 03/1998 Past Due: $1170 Credit Limit: $0 >Status as of 03/1998: Charged off as bad debt< -------------------------------------------------------------------------------- COLLECTION RECORD PROF COLL CO Open Account (for SPRINT) >Placed for collection< Updated: 02/2002 Balance: $505 Individual Account Placed: 12/2001 Most Owed: $505 Closed: Past Due: $505 >Status as of 02/2002: Collection Account< -------------------------------------------------------------------------------- MOHELA Installment Account >Student loan perm assign government< Student Loan Updated: 12/2001 Balance: $0 Individual Account Opened: 09/1994 Most Owed: $3500 Payment Terms: 117 Monthly $31 Closed: 11/2001 Past Due: $0 Credit Limit: $0 >Status as of 11/2001: Paid or paying as agreed< >In prior 36 months from date closed,< > 14 times 90+ days ,3 times 60 days late< >Maximum delinquency of 90+ days occurred in 01/2001 < -------------------------------------------------------------------------------- US DEPT ED Acnt#: Installment Account >Placed for collection< Student Loan Updated: 07/2001 Balance: $3652 Primary borrower on Account Opened: 02/1996 Most Owed: $3509 Payment Terms: 36 Monthly $0 Closed: 05/2001 Past Due: $3652 Credit Limit: $0 >Status as of 05/2001: Collection Account< -------------------------------------------------------------------------------- US DEPT ED Installment Account >Placed for collection< Student Loan Updated: 07/2001 Balance: $6704 Primary borrower on Account Opened: 08/1996 Most Owed: $6442 Payment Terms: 36 Monthly $0 Closed: 05/2001 Past Due: $6704 Credit Limit: $0 >Status as of 05/2001: Collection Account< -------------------------------------------------------------------------------- US DEPT ED Installment Account >Placed for collection< Student Loan Updated: 07/2001 Balance: $6704 Primary borrower on Account Opened: 08/1997 Most Owed: $6442 Payment Terms: 36 Monthly $0 Closed: 05/2001 Past Due: $6704 Credit Limit: $0 >Status as of 05/2001: Collection Account< -------------------------------------------------------------------------------- US DEPT ED Installment Account >Placed for collection< Student Loan Updated: 07/2001 Balance: $5389 Primary borrower on Account Opened: 06/1997 Most Owed: $5178 Payment Terms: 36 Monthly $0 Closed: 05/2001 Past Due: $5389 Credit Limit: $0 >Status as of 05/2001: Collection Account< -------------------------------------------------------------------------------- US DEPT ED Installment Account >Placed for collection< Student Loan Updated: 07/2001 Balance: $4880 Primary borrower on Account Opened: 08/1997 Most Owed: $4689 Payment Terms: 36 Monthly $0 Closed: 05/2001 Past Due: $4880 Credit Limit: $0 >Status as of 05/2001: Collection Account< -------------------------------------------------------------------------------- COLLECTION RECORD ARROW FINCL Open Account >Placed for collection< Updated: 06/2001 Balance: $499 Individual Account Placed: 03/2001 Most Owed: $350 A F S ASSIGNEE OF JC PENNEY Closed: Past Due: $350 >Status as of 06/2001: Collection Account< -------------------------------------------------------------------------------- US DEP ED Installment Account >Placed for collection< Student Loan Updated: 01/2001 Balance: $0 Individual Account Opened: 02/1996 Most Owed: $24216 Payment Terms: 120 Monthly $296 Closed: 12/2000 Past Due: $0 Credit Limit: $0 >Status as of 12/2000: Collection Account< -------------------------------------------------------------------------------- JCP--MCCBG Revolving Account >Placed for collection< Charge Account Updated: 09/2000 Balance: $350 Joint Account Opened: 09/1994 Most Owed: $350 Payment Terms: $0 Closed: 08/1998 Past Due: $350 Credit Limit: $0 >Status as of 08/1998: Collection Account< -------------------------------------------------------------------------------- COM BK CDCTR Revolving Account >Profit and loss writeoff< Credit Card Updated: 06/2000 Balance: $693 Individual Account Opened: 09/1996 Most Owed: $693 Payment Terms: $0 Closed: 11/1997 Past Due: $432 Credit Limit: $700 >Status as of 11/1997: Charged off as bad debt< -------------------------------------------------------------------------------- COLLECTION RECORD NRC Open Account >Placed for collection< Updated: 07/1999 Balance: $699 Individual Account Placed: 06/1999 Most Owed: $699 COMMERCE BANK Closed: Past Due: $699 >Status as of 07/1999: Collection Account< -------------------------------------------------------------------------------- CHASE NA Revolving Account >Profit and loss writeoff< Credit Card Updated: 05/1999 Balance: $0 Individual Account Opened: 03/1994 Most Owed: $842 Payment Terms: $0 Closed: 09/1998 Past Due: $0 Credit Limit: $300 CHEM BK S NA CAPITAL 039 >Status as of 09/1998: Charged off as bad debt< -------------------------------------------------------------------------------- MBNA AMERICA Revolving Account >Purchased by another lender< Credit Card Updated: 05/1999 Balance: $0 Individual Account Opened: 02/1998 Most Owed: $3130 Payment Terms: $0 Closed: 10/1998 Past Due: $0 Credit Limit: $2500 >Status as of 10/1998: Charged off as bad debt< -------------------------------------------------------------------------------- COLLECTION RECORD HONOR CR AG Open Account >Placed for collection< Updated: 01/1999 Balance: $839 Individual Account Placed: 11/1998 Most Owed: $839 MISSOURI GTE Closed: Past Due: $839 >Status as of 01/1999: Collection Account< -------------------------------------------------------------------------------- COMMBK KASAS Installment Account >Repossession< Secured by Household Goods & Collateral Verified date: 11/1998 Balance: $11519 Individual Account Opened: 08/1996 Most Owed: $17091 Payment Terms: 60 Monthly $361 Closed: 11/1998 Past Due: $723 Credit Limit: $0 >Status as of 11/1998: Repossession<
hope u have alot of stamps and a wet tongue. u have some writing to do. 1. leave those new accounts alone. look like u disputed them, right?? 2. dispute them with the CRA first. those old ones should go quick. 3. search for newbie posts. will get u going. feel free to email or post..
HAHAHA! Yeah, I know...like I said, I'm JUST getting started. Thanks for the help (keep it coming, folks, please!!!). Anyway, I haven't disputed ANYTHING whatsoever. Not yet. In fact, I just pulled this today for the very first time (finally trying to take control of this business, you know?). So. Any, any, ANY info is appreciated, and yes, I'll try to read some MORE posts....it's just that, wow, I'm really bad about following threads into the strrrrrrrrrrangest places.
It is good that you are starting to try to take control of your life, there is LOTS of good advice on this board for cleaning up your credit report, disputing etc. etc. I am going to give you some VERY different advice. DO NOTHING !! You have several large debts that are obviously within SOL. The reason you havent been sued is that your report looks like s__t, and you have made no effort to clear it up. People who start to clean up the reports are people who are working, looking to buy something etc. assoon as yo show that it MIGHT be worthwhile for one of your creditors to sue you, THEY WILL.Find out when the SOL is in your State, wait until after it is past, then you can SAFELY start to clear your reports and regain your credit. In the meantime do NOT apply for any credit, do NOT apply for a mortgage do NOT apply for a car loan.
Wow, okay, more good advice, here. THANK YOU both for the input. It all sounds logical (and hey, geez, I didn't even see the closed-before-opened thing, sharp eyes)! Anybody else? Why Chat, I think you might be bang-on with that idea. I wasn't sure if I should wait (6-year SOL on most of these things) or just go right ahead and hit it. Other thoughts? Anybody? Anybody?
