Where to start?

hello,

Was going to call myself dumb and dumber but hoping to change that.

I know nothing about finance and credit. And frightened to death of my own shadow at this point. Don't know who to trust and where do I begin.

My house was foreclosed in 1999 in Cal. and now I reside in Nevada. They sold the house and sent me the extra 45,000 dollars from the sale after they paid the mortgage. The foreclosure I am told is on my credit report. I imagine the hospital bills are there along with a few other thousand things. I am healthier now and have a job.

So, just send for a credit report, any brand and or all three? *grimace* and then send for a shovel and start digging?

retching gretch

 

Thank you for the welcome.

Yes, this forum has been very comforting the past 24 hours.

I found the INTROS and Faqs for newbies.

Excellent material! Couldn't ask for more at this time.

Thanks again,
Gretchen

 

Bigmon,

heh heh yeah ",,,, and Dumber" she said. HAD is the key word here. It was bad blood money. I found this forum as a link while getting wiser over at Fatwallet's forum.

Been soaking up all the new words and information all day. Amazing how many people coincedentally have the same questions as I do.

Right, the house was paid in full. Animals have been known to chew off their leg in order to be free of a bear trap and thats exactly what I did.

*Nevada hospital bills. The fact that they have records of treatment that contradict themselves that led to my demise might give me some leverage.

I will return with my credit records and Equifax FICO scores.

You all have me very interested and feeling capable. No time today to search out why BLUE AMEX is such a hot card to have. Off to work.

Gretchen

 

double posted.

 

Mycroft,

Thank you so much for your kind words of encouragement. You do not know how badly I needed them. I carried them around for days.

SpGardner,

I pulled the reports from PG like you suggested.

Trivia Question:

What does the Cowardly Lion in the Wizard of Oz repeat over and over with his eyes squeezed shut while confronting OZ for the very first time?

I can't remember, gheesh, I can't seem to remember half the stuff on the report but that is where I was at a few hours ago. Now I am at a FICO score of 589 with 0 public records with a great sense of urgency.

I will come back here with questions after reading my next step and figuring out what my priorities are. Or, should I post new?

Thanks,
Gretch

 

oops, double post.

 

Yes and No on "any paid collections".

• Unpaid
• Onecountry
  EQ Unpaid, TU Placed For Collection, Open,
  Date Open: Jul 2001, $290
  
  Onecountry
  EQ Unpaid, Open,
  Date Open: Mar 2001, $41
  
  Onecountry
  EQ Unpaid, TU Placed for collection, Open,
  Date Open: Jan 2001, $352
  
  Onecountry
  EQ Unpaid, TU Placed for collection, Open,
  Date Open: Oct 1999, $254
  
• Yourstruly LLC
  EQ Unpaid Open , EX Past due, TU PFC Open,
  Date Open: Apr 2000, $1,233
  
• Bundle of Joy Bureau CE
  EQ Unpaid, Open, EX Closed, TU Open,
  Date Open: Jan 2000, $290
  
  Bundle of Joy Bureau Cent
  EX Past Due, Closed, TU PFC,Open,
  Date Open:Feb 2001, $100
  
  Bundle of Joy Bureau Cent
  EX Past Due, Closed, TU Open,
  Date Open: Apr 2000 $173
  
• Third Bundle
  EQ Unpaid, Open
  Date Open: Oct 1998, $125
  
• Super State CCA
  EX Past due, Closed,
  Date Open: Apr 2001, $302
  
  Super State CCA
  EX Past due, Closed,
  Date Open: Apr 2001, $220
  
  Super State CCA
  EQ CA, Past Due, Open
  Date Open: N/A, $302
  
  Super State CCA
  EQ CA Open,
  Date Open: N/A, $220
  
• UFO
  TU, Unpaid, Open
  Date Open: Oct 1999, $196
  
• NCOET Home
  TU Unpaid, Open
  Date open: May 2000, $196
  
• Physical Data
  EQ Unpaid, Open, EX Closed, TU Open,
  Date Open: Jun 2000, $1,608
  
  Physical Data
  EQ Unpaid, Open, EX Past Due, CLosed, TU Open,
  Date Open: Aug 1999, $155
  
  Physical Data
  EQ Unpaid, Open, EX CLosed, TU Open,
  Date Open: Aug 2000, $86
  
• Safe Management ALTE
  EQ Unpaid, Open,
  Date Open: Mar 2003, $4,977
  
• California Gas & Electric
  EQ CA, Open, TU CA, Closed,
  Date Open: Jul 1993, $80
  
• Acquisition
  EQ CA, Open, CA
  Date Open: N/A, $3,297
  
  Acquisition
  EX Past due, Closed, TU CA, Open,
  Date Open: Oct 2002, $3,297
  
• Allencounter
  EX CA, Closed,
  Date Open: Feb 2001, Balance:$32
  
  
  Charge Offs
• Bank of New Zealand
  EQ CO, EX CO, TU CO, Closed,
  Date Open: June 1993, $1,946
  
• First CAN CCA
  EQ CO, EX CO, TU CO, Closed,
  Date Open:Feb 1996, $5,188
  
  
  Other
• Extraterrestrial Bank,
  EQ, Account sold, CA, EX Transfered to another lender, CA, TU Transfered to another lender, CA, Closed,
  Date Open: Jun 1995, $3,640
  
• Penny Saver CC
  EQ, CC lost or Stolen, EX CC lost or stolen, TU CC lost or stolen, Closed,
  Date Open: Jan 1997, $314
  
  Penny Saver CC
  EQ, Pays or paying account as agreed EX, TU, Open,
  Date Open: Jan 1997, High Balance: $314, Balance 0,
  
• Abraham Bank
  EQ Open, Foreclosure, EX N/A, Closed, TU Foreclosure Redeemed, Open,
  Date Open: Jul 1993, $0

 

jlynn,

According to this source , the Nevada SOL, my states SOL is 3 years on debts, 10 years on judgements.

Many of the links I tried on Google were dead for Nevada including the one listed in Credit Talk in the Unofficial FAQs post.

I hope this link I found is an accurate and reliable source. I am going to look for another link to confirm it.

Compared to other states, I imagine 3 years is a good thing, if accurate that is. I was expecting 7. Maybe I am misreading it?

Presently, I am having difficulty grasping onto how to use this SOL information in relation to my report. I'll keep reading the archives until I do.


Gretchen

 

Re: Re: Where to start?

• Unpaid
  
• Onecountry
  EQ Unpaid, TU Placed For Collection, Open,
  Date Open: Jul 2001, Balance $290
  Collection Account # 14157173 Missing DOLA LEgend
  
  Onecountry
  EQ Unpaid, Open,
  Date Open: Mar 2001, Bal $41
  Collection Account # 13775 167 Missing DOLA Legend
  
  Onecountry
  EQ Unpaid, TU Placed for collection, Open,
  Date Open: Jan 2001, Bal $352
  Collection Account #13665 159 Missing DOLA Legend
  
  Onecountry
  EQ Unpaid, TU Placed for collection, Open,
  Date Open: Oct 1999, Bal $254
  Past Due: N/A Collection Account #13665 135 Missing DOLA legend 290+41+352+254=937
  
• Yourstruly LLC
  EQ Unpaid Open , EX Past due, TU PFC Open,
  Date Open: Apr 2000, $1,233 Collection Account # 142XXXX Kind of a short
  Account number. The above 5 accounts end with one EX DOLA Placed here 12/1999 representing all. YoursTruly is the total of the Onecountry same name accounts?? Why no DOLA for each account? Just the way the cookie crumbles? LOL
  
• Bundle of Joy Bureau CE
  EQ Unpaid, Open, EX Closed, TU Open,
  Date Open: Jan 2000, $290 Account # 8A144 DOLA starts CO 7/2001Thru 2/2002
  
  Bundle of Joy Bureau Cent
  EX Past Due, Closed, TU PFC,Open,
  Date Open:Feb 2001, $100 Account #8A157 DOLA starts CO7/2001 Thru
  
  Bundle of Joy Bureau Cent
  EX Past Due, Closed, TU Open,
  Date Open: Apr 2000 $173 Account # 8A145]Bundle of Joys account numbers are so close. Maybe turned over at the same time? Yes, all same name accounts. Same account? Same debt different amounts? Good question. DOLA Starts CO9/2001 thru 2/2002
  
• Third Bundle
  EQ Unpaid, Open
  Date Open: Oct 1998, $125 Account #XLH00004083 Missing DOLA legend.
  The account numbers differ greatly from the above Bundle of Joys. Guess that makes it different? .
  
• Super State CCA
  EX Past due, Closed,
  Date Open: Apr 2001, $302 Account # 394493
  
  Super State CCA
  EX Past due, Closed,
  Date Open: Apr 2001, $220 Account # 394493
  
  Super State CCA
  EQ CA, Past Due, Open
  Date Open: N/A, $302 Open Account # Pacific A-394493
  
  Super State CCA
  EQ CA Open,
  Date Open: N/A, $220 Open Account # PacificB-394493
  Why do all the Super State listings list the same account # with repeat amounts?
  Last two Super State DULA records show EQ okay green button all the way.
  
• UFO
  TU, Unpaid, Open
  Date Open: Oct 1999, $196 Missing DULA legend
  
• NCOET Home aka NCO Sprint
  TU Unpaid, Open
  Date open: May 2000, $196Missing DULA legend I do not have
  Long distance because my local Sprint service
  telephone records state I owe .98 cents not $196 to Sprint
  my long distant carrier. They told me it was sent to collections. They do not know
  Why they sent it to collections nor do they know why they reconnected me after paying all
  Late charges and fees while still owing long Sprint long distance.
  I had asked whythey turned me back on if I had not paid
  All the bills when asked. They did not know.
  I had called and asked a few months ago why I did not have long distance when
  they turned my phone back on way back when.
  
• Safe Management ALTE
  EQ Unpaid, Open,
  Date Open: Mar 2003, $4,977 Missing DOLA legend
  
• California Gas & Electric
  EQ CA, Open, TU CA, Closed,
  Date Open: Jul 1993, $80 DOLA EQ all marked OK. Last green OK button says11/1997 I closed the account 4/ 1997 and I moved to Vegas. I had renters open
  New Electric bill in their name before I left. I recall them telling me they had their power shut off and Some troubles paying for a couple of months but that was in their name not mine.
  
• Acquisition
  EQ CA, Open, CA
  Date Open: N/A, $3,297 DOLA Legend starts
  12/2002 ends 4/2003Open Account # 4070055061XXXX
  
  Acquisition
  EX Past due, Closed, TU CA, Open,
  Date Open: Oct 2002, $3,297 DOLA starts 6/2001 ends 5/2003
  Open Account # OSI G-7000550061XXXX
  Looks like the same account to me. Just EQ should have been written in here
  Rather then a separate listing?
  
  
  Charge Offs
• Bank of New Zealand
  EQ Bal. Ooops, $0 CO, EX past due: $498 CO, TU Past due$498CO, Closed, Date Open: June 1993, DOLA EQ 9/1999 Okay green button for 10 and 11/1999 EX DOLA 8/1999 EX and TU bal: $1,946
  
• First CAN CCA
  EQ CO, EX CO, TU CO, Closed,
  Date Open:Feb 1996, $5,188 DOLA EQ 11/1998 EX 10/1998
  
  
  Other
• Extraterrestrial Bank,
  EQ, Account sold, CA, EX Transferred to another lender, CA, TU Transferred to another lender, CA, Closed,
  Date Open: Jun 1995, Ooops, High Balance: $3,640 Balance:$0 DOLA 9/1999
  
  Retching, nah,,, I will be KinGGG of my foREST!!!! LOL Thank you so much for helping me get a new life.
  Gretchen

 

Re: Re: Where to start?

Jlynn,

There is a DOLA --this is the date certain to determine how long they can report. You mean a whole date??? The links below will unconfuscerate you. LOL After my initial shock, I had intended to get individual reports and likely a yearly monitoring plan.

Some of this stuff is still in SOL. I think I would send dispute letters to all the CA's reporting at under $1k to start. Once you receive the green card back, dispute with the CRA's.That might clear the clutter where you can see how to tackle the rest. Sounds like a good plan.

• I wish I know which collector I owe COX Cable for. Do you think Cox will tell me the collector's name? Should be $180 bill buried in there somewhere but it is not. But I want it sweeped off my report. As I understand it, Had I now sent COX the $180 I would have a PAID BAD credit left on the report till the SOL.
  
• Are those balances in the report including the interest charges and collectors fees? What I am asking is when I do awake them will they ask for more than what I see? Or,,, will I be negotiating for less then what I see? Clear as mud?
  
• Is it possible that CA passes or sells debts to other CAs and more than one debt on the report at the same time? Because, Safe Management the biggest and NEWEST MAR 2003, bill collector makes absolutely no sense to me.
  
• Which is my worst debt? Safe Management or can I not determine that?
  
• How can this be? I only was in the hospital mid JUNE 19, 1999 for two emergencies no overnight stays. I have 2 unpaid ambulance bills, and a several small under $200 dollar tests! After that I lived off my money for two years and created $0 debt and paid all bills. There should be no new MAR 2003 charge for almost $5000!!! I have incurred $0 new debt since 1999.
  
• Am I wrong to think that working for a CC institution or Bank that might make approval easier regardless of the FICO? or some perks at least? I was thinking of getting a second job to pay down my debts.
  
  
• Are you sure this 1998 has not somehow resurrected from the dead as the MAR 2003 Safe Management bill?

• "The big account $5K from 1998, you should be safe to do anything you want with it."
  
• If the SOL ends and they fall off, that is a good thing, right? Can they do worse after the SOL falls off the CR. I am certainly not blindly sending a unknown CA a check without validating it that is for certain mine, not already paid and not a mistake. If I understand correctly, my choices are either wait until they fall off or attempt to validate/negotiate till deletion is in writing/pay.

There were a few over $1K, and if they are still in SOL, are you ready to pay for deletion? Yes, I am eager to PAY my debts but No, I do not have much to work with. I work on a commision only basis so it is hard to say. I have 2 checks coming in about 2 months for $2000.

• Onecountry 1-4
  Yourstruly
  Bundles of Joy 1-3
  Third Bundle
  Super States 1-4
  UFO and NCO ET Home
  Physical Data 1-3
  Safe Management ALTE
  California Gas & Electric
  Aquisitions 1-2
  Allencounter
  Bank of Zealand
  First CAN
  Extraterrestrial Bank
  Penny Saver 1-2
  Abraham Bank
  Private Guard's DOLA Legend

Happy Fathers Day,
Gretchen