Well guys and girls, I am new here. I have went threw a lot of posts and still have a few questions. I signed up for the MyFico credit monitor. Here are a few questions related to my credit report:
1.) I cancled my home phone at my last house, I figured that when i closed the phone account with verizon they would turn off my DSL also. But they did not. So i had that sent to collections as they sent my bill and letters saying i need to pay to my old address and i did not get them. How long am i stuck with this? I have paid the 25 dollars in full ha ha. Anything i can do?
2.) I had a local cell phone company that at my old house would hit a tower in the next state and would charge me roaming charges. I told them i was mad and wanted to end my contract. One thing leads to another i pay them and then i get another 350 dollar bill they sent it to collections, i have since paid the local company ( Not the collection company ) Is there anyway i can get this off of my CR?
3.) I have a few past dues from where i lost my job. Is there any way i can get these off? I know i was in the wrong but have since not missed. ( This was on 2 credit cards )
4.) When i was looking for a new car i was very stupid and let the dealer run my credit, The one dealer did it 4 times. So i this year i have had 12 people look at my report. Which from what i can see is 30% of the score. Is there anyway i can get these off? ( Stupid question i know )
5.) I had student loans that i paid in full but later after looking at my credit i was 3 months late because i sent all but 3 dollars due to there fees for a phone charge. Is there anything i can do about this?
Thanks for all of your help. I have had a lot of stupid things in the past but i see now that i got to get this crap off of here.
3/04/2008: TU 555 EQ 532 EX 581
9/25/2014: TU 563 EQ 691 EX 655
Cards: CO 1500CL, CO 500CL CU 5,000CL