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Posts: 1
Registered: ‎12-06-2012
Just getting started with the credit rebuild.
[ Edited ]

Always assumed that my credit was un-fixable, but after reading through the forums here I'd like to give it a shot.  I pulled my EQ report and there are several items listed in a couple different categories.   I've been wading through the PFD / DV posts, but I'm not sure I have a solid path to follow.  Maybe the community at large can point me in the right direction.  I'll list what was found in the report:

 

NEGATIVE ACCOUNTS

 

Account NameAccount NumberDate OpenedBalanceDate Reported Date of last reported update.Past DueStatus Condition of account when last updated by creditor or otherwise.Credit Limit
PG&EXXXXXXXXXXXXX07/01/2004$0  04/01/2009
Account Number:XXXXXXXXXXXXX  
Type of Account :Open  
Date Opened:07/01/2004    
Date Reported:04/01/2009 Amount Past Due: 
Date of Last Payment:02/2007   
Date of First Delinquency:07/2006 
Comments:Paid collection  

 

Not really sure why this is on my report unless they are reporting a late payment or something.  I currently have service with this utility company and no payment problems.

 

COLLECTIONS

 

 

I.C. SYSTEMS INC 
Date Reported:11/2012 
Creditor Classification:Cable/Cellular 
Creditor Name:AT T 
Accounts Number:XXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$176 
Date of 1 st Delinquency:03/2012 
Balance Owned:$176
Status:D - Unpaid 

 

EOS / CCA 
Date Reported:11/2012 
Creditor Classification:Utilities 
Creditor Name:AT T MOBILITY 
Accounts Number:XXXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$359 
Date of 1 st Delinquency:11/2008 
Balance Owned:$424 

 

NATIONWIDE RECOVERY SYSTEM
Date Reported:12/2007 
Creditor Classification:Cable/Cellular 
Creditor Name:AT T MOBILITY 
Accounts Number:XXXXXXXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$1,652 
Date of 1 st Delinquency:08/2006 
Balance Owned:$1,652 

 

Again, not sure what's up with AT&T.  I have current service with them and nothing shows on my account as past due.   I cannot fathom a situation in which I racked up almost $2,000 in debt with a phone company over the last 6 years.

 

 

ENHANCED RECOVERY CORP 
Date Reported:02/2012 
Creditor Classification:Cable/Cellular 
Creditor Name:COMCAST CABLE COMMUNICATIONS 
Accounts Number:XXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$115 
Date of 1 st Delinquency:07/2006 
Balance Owned:$275 

 

I have never had a Comcast account.  Ever.  Not sure where this is coming from.

 

STATES RECOVERY SYSTEMS 
Date Reported:08/2011 
Creditor Name:PROFESSIONAL COLL CONSULTANTS 
Accounts Number:XXXXXXXXXXXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$1,400 
Date of 1 st Delinquency:12/2006 
Balance Owned:$1,400

 

STATES RECOVERY SYSTEMS 
Date Reported:08/2011 
Creditor Name:PROFESSIONAL COLL CONSULTANTS 
Accounts Number:XXXXXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$595 
Date of 1 st Delinquency:08/2006
Balance Owned:$595 

 

I have no idea who these guys are or why they think I owe them almost $2,000.  

 

 

 

 

It's entirely possible that some, if not all, of these debts are legitimate.  Where can I go from here?  Is it worth it to dispute ones that are so old that I can't remember if I actually had an account with them?  Should I just try to negotiate a settlement amount?

 

I have gotten a handle on paying current bills and keeping up on things like car loans and my _one_ credit card.  Now it's time to fix my past.

 

Thanks for any help...

 

Amaranth