5 year long divorce over,time to start over! I have been lurking for a while,figured it was time to jump in.
Repo and Judgments I paid off,how much of an impact? Will I see a change when they age out? When will they age out 7 years or 15?
Legal Item filed on Sep, 2007
| Legal Item |
| xxxxxxxxxxxx |
| xxxxxxxxxxxx |
| Sep, 2007 |
| $3,981 |
| Final Stop Auto Sales |
Legal Item filed on Feb., 2007
| Legal Item |
| xxxxxxxxxxxx |
| xxxxxxxxxxxx |
| Feb., 2007 |
| $1,063 |
| Midland Funding Llc Mfl |
Legal Item filed on Sep, 2006
| Legal Item |
| xxxxxxxxxx |
| xxxxxxxxxx |
| Sep, 2006 |
| $615 |
| Medical |
Numerous medical collections on my fako sights,only these listed on Fico..Do I pay off?
Collection on debt to:
The collection agency "667YC00000" was hired to collect a debt of $274 on account number "XXXXXXX".
| 667YC00000 |
| $274 |
| $274 |
| Dec, 2011 |
| XXXXXXX |
| Individual |
| Medical |
Collection on debt to:
The collection agency "372YC00000" was hired to collect a debt of $540 on account number "XXXXXXX".
| 372YC00000 |
| $540 |
| $540 |
| Jul, 2008 |
| XXXXXXX |
| Individual |
Medical |
Collection on debt to:
The collection agency "372YC00000" was hired to collect a debt of $160 on account number "XXXXXXX".
Collection agency| 372YC00000 |
| $160 |
| $160 |
| May, 2008 |
| XXXXXXX |
| Individual |
Medical |
Collection on debt to:
The collection agency "667YC00000" was hired to collect a debt of $147 on account number "XXXXXXX".
Collection agency| 667YC00000 |
| $147 |
| $147 |
| Oct, 2006 |
| XXXXXXX |
| Individual |
| Medical |
For some reason this is showing under credit/loans but yet is a debt collection from UoP that I have been fighting for 2 years.How do I get this corrected with Fico and Credit Agency's? It has driven my credit ratio through the roof.
Thank you for any advice,Jennifer
Edited to get rid of bad HTML formatting
Hello just wanted to say WELCOME to the forums! As you know there is LOTS of good quality, relevant information here.
Can you post the DOFD of the accounts?
If you haven't already, you can get your full credit reports from annualcreditreport.com (free if not used this year) or from each of the CRA's www.equifax.com, www.transunion.com, and www.experian.com
Those reports will give you nearly ALL of the information that you need to clean up your credit (including company names and addresses).
Best of luck!
Starting Score: 576 EQ 1-12-13
Hi jlcd, Welcome to the forums,
When you are pulling your CR's (credit reports), from ACR (annualcreditreports.com), Don't buy the Scores, they are what will call FAKO's.
PapasWifey & jimbo831, Great Posts
Thanks
@jlcd wrote:
@PapasWifey wrote:
Can you post the DOFD of the accounts?
I have no idea how to find out this information? Is it in the myFico report?
No this information can be found on your full reports from the credit bureaus. It's highly recommended to pull those reports so that you can see EVERYTHING that's going on with your credit reports (positives, negatives, inquiries, verify your info, etc).
Its a little late for me but the account you say is reporting as an open tradeline you can fight to get deleted pm me this info and by sunday ill pm you letter re: open accounts that are improperly reported the cra must fix or delete if they fix its less of a hit but most times they delete( less work for them. ALso remember that most people pull there annual reports at new year and by this time most of the fly by nights have quit but not you again plz pm me ill get you appropriate letter(s) to get ypu on path to clean credit report
@PapasWifey wrote:
Can you post the DOFD of the accounts?
Thank you for the welcomes,it is nice to finally get going somewhere.
After pulling the reports and looking at dates,the 3 judgments have dates of "continue on record" until Sep 2013(medical) and Feb. (car repo)and Sep 2014(medical) So that at least gives me an idea of when I can start to have a life again At this point are these still having a huge impact?
I have 5 medical accounts from DOFD 2006,(during divorce he took kids off his insurance and I did not know) 1 5th3rd account that should have been listed as exhusbands only from at least 2005,but it says individual opened 2011.
2 FFCC-COLUMBUS INC $700.00 This account is scheduled to continue on record until Aug 2014. and Nov.2014 I have no idea what these are for.
FIRST PREMIER BANK $375 Date Opened:01/2010 Status Details: This account is scheduled to continue on record until Apr 2018
PHYSICIANS CREDIT BUREAU $147 This account is scheduled to continue on record until Apr 2013.
LVNV FUNDING, LLC $254 This account is scheduled to continue on record until Dec 2013.
PINNACLE CREDIT SERVICES $60 This account is scheduled to continue on record until Jan 2014.
UoP $3,368.00 This account is scheduled to continue on record until Feb 2017. ( I never want to pay this,huge rip off and scam,I have been fighting this for 2 years,they enrolled me in 2 classes I never agreed to and then sent me a huge bill).
So... Do I pay,not pay,wait,see what happenes?
