Hello, I'm not quite sure where to post this so feel free to move if needed.
i have been a member of the site for a few months, I joined to read up to help my brother fix his credit. Now I'm the one who actually needs help. In December 2012, I went to the emergency with stomach pains, turned out I needed an appendectomy. I came home after 2 days in the hospital and went back in after 2 weeks with more stomach pains. Turns out I had an abscess. I was in and out of the hospital for the next year due to abscesses and staff infections. I'm just now really starting to feel like myself again.
Anyway, I have my credit reports that I pulled in November 2012, I don't know what my scores were then but I had 2 charge accounts and 2 student loans, nothing derogatory at all. With all the time I spent in the hospital I didn't pull my credit again until 2 weeks ago. I was surprised to see a capital one that went to collections listed and an account from AFNI for ATT Mobility. Also, there's a Portfolio Recovery for HSBC charge account. All accounts were opened during the month I was in the hospital for an extended stay. It seems like all payments on the accounts ceased about 2 months after I was home for good. It seems like the HSBC account for Portfolio is the same as the Capital One account. I didn't open any of these accounts, I haven't seen any mail from them but there's a lot of mail I missed when I was ill. I also moved in 2014 and I haven't seen any mail from any of these companies.
Im not sure what to do first? Do I contact HSBC or Capital One? Do I contact Portfolio? By the accounts aren't new, can I still fill out forms for identity theft?
Any advice is greatly appreciated.
Thank you
