Just getting started with the credit rebuild.

amaranth — Fri, 07 Dec 2012 00:15:18 GMT

Always assumed that my credit was un-fixable, but after reading through the forums here I'd like to give it a shot. I pulled my EQ report and there are several items listed in a couple different categories. I've been wading through the PFD / DV posts, but I'm not sure I have a solid path to follow. Maybe the community at large can point me in the right direction. I'll list what was found in the report:

NEGATIVE ACCOUNTS

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Status	Credit Limit
PG&E	XXXXXXXXXXXXX	07/01/2004	$0	04/01/2009

Account Number:	XXXXXXXXXXXXX
Type of Account :	Open
Date Opened:	07/01/2004
Date Reported:	04/01/2009	Amount Past Due:
Date of Last Payment:	02/2007
Date of First Delinquency:	07/2006
Comments:	Paid collection

Not really sure why this is on my report unless they are reporting a late payment or something. I currently have service with this utility company and no payment problems.

COLLECTIONS

I.C. SYSTEMS INC
Date Reported:	11/2012
Creditor Classification:	Cable/Cellular
Creditor Name:	AT T
Accounts Number:	XXXXXXXXXXX
Account Owner:	Individual Account.
Original Amount Owned:	$176
Date of 1 st Delinquency:	03/2012
Balance Owned:	$176
Status:	D - Unpaid

EOS / CCA
Date Reported:	11/2012
Creditor Classification:	Utilities
Creditor Name:	AT T MOBILITY
Accounts Number:	XXXXXXXXXXXXXXX
Account Owner:	Individual Account.
Original Amount Owned:	$359
Date of 1 st Delinquency:	11/2008
Balance Owned:	$424

NATIONWIDE RECOVERY SYSTEM
Date Reported:	12/2007
Creditor Classification:	Cable/Cellular
Creditor Name:	AT T MOBILITY
Accounts Number:	XXXXXXXXXXXXXXXXXXX
Account Owner:	Individual Account.
Original Amount Owned:	$1,652
Date of 1 st Delinquency:	08/2006
Balance Owned:	$1,652

Again, not sure what's up with AT&T. I have current service with them and nothing shows on my account as past due. I cannot fathom a situation in which I racked up almost $2,000 in debt with a phone company over the last 6 years.

ENHANCED RECOVERY CORP
Date Reported:	02/2012
Creditor Classification:	Cable/Cellular
Creditor Name:	COMCAST CABLE COMMUNICATIONS
Accounts Number:	XXXXXXXXXXXXXX
Account Owner:	Individual Account.
Original Amount Owned:	$115
Date of 1 st Delinquency:	07/2006
Balance Owned:	$275

I have never had a Comcast account. Ever. Not sure where this is coming from.

STATES RECOVERY SYSTEMS
Date Reported:	08/2011
Creditor Name:	PROFESSIONAL COLL CONSULTANTS
Accounts Number:	XXXXXXXXXXXXXXXXXXXXXXX
Account Owner:	Individual Account.
Original Amount Owned:	$1,400
Date of 1 st Delinquency:	12/2006
Balance Owned:	$1,400

STATES RECOVERY SYSTEMS
Date Reported:	08/2011
Creditor Name:	PROFESSIONAL COLL CONSULTANTS
Accounts Number:	XXXXXXXXXXXXXXXXX
Account Owner:	Individual Account.
Original Amount Owned:	$595
Date of 1 st Delinquency:	08/2006
Balance Owned:	$595

I have no idea who these guys are or why they think I owe them almost $2,000.

It's entirely possible that some, if not all, of these debts are legitimate. Where can I go from here? Is it worth it to dispute ones that are so old that I can't remember if I actually had an account with them? Should I just try to negotiate a settlement amount?

I have gotten a handle on paying current bills and keeping up on things like car loans and my _one_ credit card. Now it's time to fix my past.

Thanks for any help...

Amaranth

Re: Just getting started with the credit rebuild.

johnca — Fri, 07 Dec 2012 00:34:01 GMT

For future reference, I am the OP (AKA Amaranth).

For some reason when I left and came back to the forums, I had to enter a new username and it wouldn't let me pick my original one. Please address any replies to this account as it seems to be more stable than the last one.

Thanks again for any advice...

J "Amaranth" C

Re: Just getting started with the credit rebuild.

StartingLifeOver — Fri, 07 Dec 2012 00:33:05 GMT

OP, is that your real name? :smileysurprised: I think you should probably edit your post and take your name out. On the subject of your baddies, from what I read here in the forums, sounds like you need to start with some DV letters but I'll let the credit pros handle this one.

Re: Just getting started with the credit rebuild.

johnca — Fri, 07 Dec 2012 00:44:08 GMT

"OP, is that your real name? I think you should probably edit your post and take your name out."

Done and done. Thanks for the heads up.

On the subject of DV letters: With debts so old, would the DV even be considered "timely"? Is that a factor at all?

Re: Just getting started with the credit rebuild.

StartingLifeOver — Fri, 07 Dec 2012 02:50:27 GMT

I'm not sure about that arena. You make a good point-looks like they're all due to fall off sometime in 2013. Are you're willing to wait it out?? Can anyone else chime in here? I'm not 100% sure and I don't want to give incorrect advice.

Re: Just getting started with the credit rebuild.

madmann26 — Fri, 07 Dec 2012 03:10:22 GMT

Do this,

Send a GW for the paid collection to get it removed. Then DV the other CA's.

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