Will 2013 be my year?

[Conswalla]

Hi Everyone:

I've been MIA from the forum for several months.  I had to take a little break.  I was getting frustrated and needed to back away and hit "refresh".  I'M BACK!  ^__^ 

I pulled a copy of my Equifax report and I need some guidance:

Closed Accounts

1. First Premier - Charge Off, Charge Off Amount $696, Balance $0, DOFD 5/2010, Transfer/Sold, Revolving, Date Reported 01/12/2013

2. First Premier - Charge Off, Charge Off Amount $464, Balance $0, DOFD 5/2010, Transfer/Sold, Revolving, Date Reported 10/14/2012

3. Capital One -   Charge Off, Charge Off Amount $286, Balance $0, DOFD 5/2010, Transfer/Sold, Revolving, Date Reported 02/01/2011

4. Capital One -   Charge Off, Charge Off Amount $879, Balance $0, DOFD 8/2009, Transfer/Sold, Revolving, Date Reported 04/01/2010

                              (My ex-boyfriend added me as an authorized user without my approval.  I never signed for the card or possessed a card.)

5. Asset Acceptance - Collection Account, Balance $705, DOFD 5/2010, Factoring Company Account (debt buyer), Date Reported 01/27/2013, OC = First Premier #1 above

6. Northeast Credit & Collections - Collection Account, Balance $856, DOFD 6/2007, Date Reported 12/2012, OC = First Bank of Delaware which dropped off report

My chapter 7 bankruptcy drops in June 2013. 

I have a tax lien reporting but it was included in bankruptcy and will drop in June 2013.

All of my other accounts show "Paid As Agreed".

I've learned my lesson and take full responsibility for where I am.

I pay my bills on time without hesitation now.

I want to use my 2013 tax refund towards my continued effort to strength my credit profile.

Question:

How should I approach resolving the 6 accounts above?

Thanks for any feedback.

PS - My credit score is very low.  Too low to mention.

Conswalla o_O

[Conswalla]

I've read some of the posts and it seems like First Premier is going to give me the most grief.

I'm up for the challenge.

[SamsungHDTV]

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@Conswalla wrote:

Hi Everyone:

I've been MIA from the forum for several months.  I had to take a little break.  I was getting frustrated and needed to back away and hit "refresh".  I'M BACK!  ^__^ 

I pulled a copy of my Equifax report and I need some guidance:

Closed Accounts

1. First Premier - Charge Off, Charge Off Amount $696, Balance $0, DOFD 5/2010, Transfer/Sold, Revolving, Date Reported 01/12/2013

2. First Premier - Charge Off, Charge Off Amount $464, Balance $0, DOFD 5/2010, Transfer/Sold, Revolving, Date Reported 10/14/2012

3. Capital One -   Charge Off, Charge Off Amount $286, Balance $0, DOFD 5/2010, Transfer/Sold, Revolving, Date Reported 02/01/2011

4. Capital One -   Charge Off, Charge Off Amount $879, Balance $0, DOFD 8/2009, Transfer/Sold, Revolving, Date Reported 04/01/2010

                              (My ex-boyfriend added me as an authorized user without my approval.  I never signed for the card or possessed a card.)

5. Asset Acceptance - Collection Account, Balance $705, DOFD 5/2010, Factoring Company Account (debt buyer), Date Reported 01/27/2013, OC = First Premier #1 above

6. Northeast Credit & Collections - Collection Account, Balance $856, DOFD 6/2007, Date Reported 12/2012, OC = First Bank of Delaware which dropped off report

My chapter 7 bankruptcy drops in June 2013. 

I have a tax lien reporting but it was included in bankruptcy and will drop in June 2013.

All of my other accounts show "Paid As Agreed".

I've learned my lesson and take full responsibility for where I am.

I pay my bills on time without hesitation now.

I want to use my 2013 tax refund towards my continued effort to strength my credit profile.

Question:

How should I approach resolving the 6 accounts above?

Thanks for any feedback.

PS - My credit score is very low.  Too low to mention.

Conswalla o_O

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I would approach your accounts in this order:

1. Dispute #4, you're not responsible for the account as authorized user.

2. DV #5, if they validate I would PFD with your tax refund

3. GW #1-3 once a month until they agree or it expires

4. #6 I would just let drop off, you can choose to DV them sooner depending on how your credit needs are.

[Conswalla]

Thank you so much for taking the time to review and provide feedback.

It's greatly appreciated.

Conswalla