@MsLayo34 wrote:
I have been lurking around for a couple of years and FINALLY decided to make that first step and post. I work as a Utilization Reviewer/ Social Worker in a hospital and have a credit score in the mid- 500's.. Although, I know I want to repair my credit I just don't know where to begin. I opened up 4 credit cards (Discover, Capital One, Macy's and Citi Bank) during my sophomore year of college. Unfortunately, my finances were extremely tight and paying a credit card bill was the last thing on my mind. and didn't have. I am almost 26 years old and would like to purchase a home in the next few years. I would appreciate if you all can hive me pointers on where to begin.
Here is what is currently showing on my Experian Credit Report:
Accounts:
Capital One -
Date opened: 1/1/08
DOFD: ?? Late 2008 or 2009
$1,110 - Original CL = $500
Charge off - This account is also reporting as a Judgment on my CR, Once the judgment has been satisfied start GW Letter campaign to Cap-1 EO.
Citibank (Purchased by Midland Funding CA) GW letters to Citi EO.
Discover -
Date opened: 1/1/08
DOFD: ??? Late 2008 or 2009
$1,088 - Original CL $500
Charge Off See if you can get a PFD on this one
Macy's
Date opened: 01/01/208
DOFD: 03/2010
$226 - Original CL $500
Charge Off, See if you can get a PFD from Macys on this one
Collections:
EOS AT&T Mobility Call ATT ask them to recall the CA and then pay them off.
Date opened: 8/1/2012
Amount $121
Midland Funding (Citi bank account)
Date opened: 01/01/2008
$1652, Original CL $1,000
I found out today that Midland Funding was granted a default judgment against me for this debt in 10/2013. This judgment is not showing up on my CR. Apparently my mother signed for the paperwork and did not give them to me. I was not aware of the court date etc. I went to the court house today and Midland Funding out in an order to garnish my wages. I was aware of that court date but was unable to make it due to having open heart surgery. Am I stuck with paying the CA $1600?? How should I handle this? Yes, you are going to have to pay it since they hold a judgment. Settle this with the current judgment holder, try to get them to vacate it once its been paid, if they wont do it see if this is allowed in your state and file the motion yourself to vacate on grounds its been paid, if this gets done its off your CRs as if the judgment never happened.
Judgments:
Capital One
West Hartford CT small Claims court
Date Filed: 08/2010
This was a default judgment as the papers were sent to my College Mailbox in CT rather than my home address on RI where all of my bills were going. Settle this with the current judgment holder, try to get them to vacate it once its been paid, if they wont do it see if this is allowed in your state and file the motion yourself to vacate on grounds its been paid, if this gets done its off your CRs as if the judgment never happened.
I apologize for such a long post but I wanted to provide as much information as possible. Thank you in advance!!!
I would also look up your states SOL to see if any of those OCs can still sue you, if its outside the SOL then go ahead and contact as I have indicated, if they can still sue then you dont contact them unless you have the funds to PIF.. Welcome to MF 
