Hello all, newbie here. I am finally ready to start with this clean up but not totally sure where to start.
Any thoughts or advice , requests for more information is welcomed.
Here's a snapshot:Equifax 653
Experian 680
TU 623
TU Total past due 5969.00, Total Balance 6869.00
2 In Collections
1) Citibank
Collection agency Cavalry Port
Original balance $6,793
Current balance $9,089
I have had no contact with the collection agency.
2) Comcast for a late returned cable box which I returned to the company before ever being contacted by collections.
From 2004 - current balance is 0. Account closed 2004.
3)Dept of Treasury
This was paid off but I doubt I still have the record of it being paid. From 2004.
States in collection for the amount of 197.00. Related to stop payment and reissue of a postal money order. Still showing balance of 197.00
3 Past Due
Accounts from AmEx - charged off as bad debt although they are sending me letters to settle now. I have had no contact yet with AmEx.
4434.00
1138.00
2 Credit union charge cards
1 secured showing balance of 127.00 but actually paid off each month - paid as agreed.
1 with balance of 970.00 paid as agreed since 2005 but several 30 days late in 2004-2005. Account is listing as closed by consumer.
Thanks in advance for your kind help!
