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I am really feeling overwelmed. The more I read, the more I get confused. My credit is so bad I can't even rent an apartment or get a secured credit card. I am hoping that someone could provide me some guidance on what to do! Please?! I am desperate. I know most of the debt is mine,although some of it was done by a family member using my information without permission, so if I know its mine is it even worth DVing? What would you suggest I do to improve my score? I am really scared to do anything because 1/2 of my credit is withing SOL (california), and I really don't want to get sued!
Asset Acceptance LLC
Original Creditor: Pacific Bell
Date opened: 3/05
Type: Installment/collection ß -not sure why this is considered an installment?
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $88
Recent balance: $105
Status details: acct is schedule to continue on record til Apr 2010
Continental Credit Ctr
Original Creditor: Woodstocks
Date opened: 4-05
Type: Collection
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $26
Recent balance: $51
Status details: acct is schedule to continue on record til Jan 2012
Credit Management LP
Original Creditor: Comcast
Date opened: 11-05
Type: Collection
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $264
Recent balance: $264
Status details: acct is schedule to continue on record til Sept 2011
Pacific Gas and Electric
Original Creditor: Same
Date opened: 5-05
Type: Utility collection, charge off
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $518
Recent balance: $518
Status details: acct is schedule to continue on record til Feb 2013
RJM Acq LLC
Original Creditor: Washington Mutual
Date opened: 9-07
Type: Installment ß ?????
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $612
Recent balance: $612
Status details: acct is schedule to continue on record til June 2011
Stassinos Law Office
Original Creditor: Pizza Guys
Date opened: 4-05
Type: Collection, returned check
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $125
Recent balance: $125
Status details: acct is schedule to continue on record til Oct 2011
US Dept of Ed
Original Creditor: Same
Date opened: 8-02
Type: installment
Terms: 120 month
Monthly payment: $0
Credit limit/Original amt: $11,121
Recent balance: $11,121
Status details: positive, a few 180+ days late
These creditors are on Transunion and Equfax:
California State University
Original Creditor: Same
Date opened: 8-02
Type: installement
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $7153
Recent balance: $7153
Status details: positive a few lates
CBA Collection Bureau
Original Creditor: At&t
Date opened: 8-08
Type: Collection
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $160
Recent balance: $160
Status details: acct is schedule to continue on record til Jan 2015
Statewide Collections
Original Creditor: All the Best Video
Date opened: 12-06
Type: Collection
Terms: 1 month
Monthly payment: $0
Credit limit/Original amt: $277
Recent balance: $341
Status details: acct is schedule to continue on record til Jan 2013
T, EX, EQ
TOTAL ACCOUNTS: 7 8 7
OPEN ACCOUNTS: 5 1 4
CLOSED ACCOUNTS: 2 7 3
DELINQUENT: 0 0 1
DEROGATORY: 6 7 4
BALANCES: 19530 12638 18892
PAYMENTS: 123 0 123
PUBLIC RECORDS: 0 0 0
INQUIRIES (2 years): 6 8 7
I'd suggest reading What Steps Do I Take - great for learning the repair process.
First, pull each report directly from the CRAs, rather than from a third party like you have below. You'll see differences on how things report. Moreover these reports have more info like drop off dates on EX and TU, more account history, better dates, better contact info, soft inquiries, etc. You can pull each for free via annualcreditreport.com.
Like you mentioned, SOL is key. Don't touch anything or send any letters to any one account unless you have the $$$ to PIF or SOL has expired for that baddie.
Again, ignore items like "installment". If you were to pull your report you'd see that it is reporting as a collection. On very rare instances, a CA might goof and report as an installment, which would actually help more than hurt.
Send a DV. If verified, then PFD the following if you have the $$$ or SOL expires:
Asset Acceptance, Continental, Credit Mgmt, RJM (they accept PFDs), CBA, & Statewide
Send a PFD if you have the $$$ to PIF or SOL expires:
Pacific Gas & Electric, the law office, Us Dept of Ed (if a CO, otherwise GW)
Send a GW to CSU for the lates if paid (or paying) and current now.