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where I'm at as of now
One open and current account an auto loan... 6700
Experian 490 Transunion 547 Equifax 512
bad debt on credit reports
Student loan assigned to government for collections: $1600 last updated 3 of 2014
Capital one account charged off/ placed for collection and skip? : $1150 last updated this mo? odd
credit one charged off / sold: 750
a collection agency who bought the credit on account: 750
student loan in collections 1400
student loan 1300 unknown status ( it shows open closed and sold on the reports ...?) (paid paid and sold ... ? **bleep**)
A synchrony bank account that was in collections then paid in full id showing as a charge off on one and paid in another.... 1700
Two more student loans (same account number?) showing 4500 and 1900 in collections.
I hope that is everything.
now where to start and what to do...
who should I contact is there any good free advising / help services ?
A banker once advised me that the first thing i should do is pull each of my reports and dispute everthing, then only deal with the onses that dont prove its valid ... that sounded odd to me ... should i do this?
I'm a little overwhelmed and trying to fix quite the mess that I have created...
Update
I have contacted the government, I apparently have four student loans via them, one is paid off? Huh
three are in collections
two of those are with one lender, they are now merged and I have begun the rehabilitation process with this lender
i will be contacting the other collections company on Monday
I have one other student loan in rehab and it is working so far.
I bit the bullet and got a sub prime C.C. To have a current account
@Anonymous wrote:Update
I have contacted the government, I apparently have four student loans via them, one is paid off? Huh
three are in collections
two of those are with one lender, they are now merged and I have begun the rehabilitation process with this lender
i will be contacting the other collections company on Monday
I have one other student loan in rehab and it is working so far.
I bit the bullet and got a sub prime C.C. To have a current account
Great start, you should probably get a couple more sub prime cards, then by the time your student loans are rehabbed you will have established credit. Does your car loan have any lates, make sure you keep those on time every time, and make sure you make your payment on your student loan rehab on time. At the end of the rehab the negative remarks will be removed. Your credit score should soar!!! Make sure your scores are from the my fico site. They are the real scores, the others are FAKO's