Hey there guys, I've been lurking here for a few months--was trying to get a used car, and needed to see where I stood. At any rate, I've been looking over my credit reports, trying to see what I can do to start rebuilding my credit. I've been trying to get all my answers from just reading the other posts here, but there are a few things I'm still not clear on.
I think the biggest things adversely affecting my score are some collections accounts and a judgment record. I apologize if my requests seem too akin to handholding, but the ones I’m not certain on how to approach are below:
PROFESSIONAL FINANCE C
Original Creditor: ATMOS ENERGY FD
Responsibility: Individual
Condition: Derogatory
Original Balance: $36
Balance: $36
Date Opened: 11/2005
Date Reported: 02/2006
I found this gem, and was quite surprised (it wasn't on the TU reports that I've been getting). Nearest I can figure is, I got a bill for $36 bucks after I moved apartments when I lived in TX. I may have screwed the pooch, but I gave Atmos a call, and the lady I spoke with said that the CA was the owner of the debt now, but that I could pay her and they would report it paid to the CA. I have no issue paying $36 to get this removed from my CR, and I think I should start with a PFD, but I don't know if I should be sending it to the OC, or CA.
ESCALLATE LLC
Original Creditor: EMP OF GASTON COUNTY PLLC.
Responsibility: Individual
Condition: Derogatory
Original Balance: $637
Balance: $637
Date Opened: 09/2009
Date Reported: 11/2009
This can only be a medical bill for an emergency room visit I made, that I never received a bill for. Not something I can afford to PIF yet, so I assume I should wait to contact them either after the SOL, or only when I’m ready to PIF?
LEGAL ITEM
Type: Judgment
Status: Filed
Date Filed: 02/2005
How Filed: Unknown
Closing Date: [not listed]
Court: City & County Government
Plaintiff: 1ST COMMUNITY FCU
Action Amount: $1709
This is the judgment record on my report. I took out a loan to consolidate some of my debt, but started missing payments after my savings diminished while I was unemployed after separating from the military. I know for a fact that I didn’t miss any payments while I was still employed; therefore, the date on this judgment doesn’t make sense to me because on the date it was filed, I was on deployment in Kuwait. Can I somehow dispute this under violation of the SCRA? Or am I pretty much stuck in the same barrel as everyone else with a judgment, having to wait for it to fall off my report?
