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Hi everyone and thanks so much for this forum. I'm learning so much as I begin this rebuilding process and have a few questions.
I haven't had any credit in nearly years due to a divorce and deadbeat ex that never paid child support. Finally, I'm at a point where I can see an end and want to rebuild my credit.
I applied for and got a Capital one unsecured card with a $300 CL in October 2012. That is all of the revolving credit on my account.
The bads:
I have a dismissed chapter 13 that my report says is scheduled to fall off in April of 2013.
I have a CO from a credit union which was a 2nd mortgage of over 9K that DOFD was 3/2006 to be removed 2/2013
I have a negative from a bank that was a mortgage that is reported as bad- basically the house was sold by the bank so marked as paid as agreed. DOFD says n/a but date of last payment shows as 10/2006. THat must have been the date they sold the house because I know I stopped paying on it months before that. It only shows on EQ so I don't know when it will be removed. Should I write EQ and ask them to remove it because of the date or wait?
Fair Collections In and Out - $1900 - for an apartment- Scheduled to be removed 6/2014. I have never heard from this company and this amount is not correct by any means. I did not pay my last months rent of about $1200 because I was broke and knew I was moving out at the end of my lease and because I had left a deposit of one months rent. I left the apartment is excellent cleaned condition. So I have no idea where this comes from and at this point I don't feel it would be in my best interest to call and bring all this up. At the time, I lived in Georiga and moved to California at the end of my lease. I now reside in FLorida. I assume the SOL is up - but not sure if it would be based on Georgia, Califorina or FLorida. I've written a DV letter but have not mailed it- wanted to get your thoughts on this one. I've heard they are jerks to deal with.
I found an EOS CCA account for like $700 from 2010 and I know for sure I had not opened a phone account with them during this time. I have been on my current husbands phone bill for over 6 years. I actually took a chance yesterday and wrote BBB and got a response today that they will delete it from all three. SO hoping that one will be gone soon.
I also have lots of goods from many years ago from American Express, DIscover, Cap ONe, etc.
I know I need more credit and applied for Barclays and also Walmart a few weeks ago but was declined. Should I wait longer and apply for something else? Any suggestions would be greatly appreciated.