I think I'm in a hopeless situation, I don't know what to do, i killed my credit...there's nothing to fix per say as far as mistakes on the reports, but I'd so welcome any advice on the best steps to take first....
My score is 507 and I'm in Fico Hell.
I've had all the c cards in good standing since they were opened, that is until till 2007 when they all went behind and were charged off and I went through a very bad year. In 2007 we refinanced and had big problems with the mort. company (went to CCCS who said don't pay anything on the credit cards - need to straighten everything else out first) now I'm sunk, and worse, I've always been on the mortgage, but when we refinanced I wasn't put on the mortgage, only the deed, so I won't even have that good payment reporting.
If you could give me just one suggestion of what I can to do first, any babystep that might help, I would so appreciate it! I think I'm hopeless though.
Chapter 7 bankruptcy filed in August 1999-discharged
M
errick opened 1/2004 $2,383 120+ days past due
Gemb/Lowes opened 11/2004 $645 Bad debt/collection charged off
Cap One opened 8/2001 $1,637 Bad debt/collection charged off
Cap One Na opened 8/2005 $0 Bad debt/collection charged off
Hsbc Bank opened 12/2003 $0 Bad debt/collection charged off
Cap One 11/2004 $0 Pays account as agreed
Cap One 11/2004 $0 Pays account as agreed
Fst Premie 11/2006 $0 Pays account as agreed /closed at consumers request/paid $0 bal
Countrywid XXXXX 7/2005 $0 Pays account as agreed Account closed at consumer's request
Paid account / zero balance-was mortgageMtgsvcctr XXXXXXXXX 6/2003 $0 Pays account as agreed/Paid$0 Bal / Inactive
Wachrl XXXXXX 9/1994 $0 Pays account as agreed/Paid / $0 Bal / Inactive
Citi Auto XXXXXX 4/2004 $8,379 Pays account as agreed Open/Bal $8000/pay $393 a month
Chrysler XXXXXX 1/2005 $0 Pays account as agreed Open/lease-up in may was $9,000 paid
Caponeauto XXXXXXXXXXXXX 6/2005 $0 30 days past due Open/Paid $0 Bal highest was $7,800
If you could give me just one suggestion of what I can to do first, any babystep that might help, I would so appreciate it!
Thank you!