HELP ! Where do I Start? Credit Repair

[FREE4ALL]

Hi, I'm new to this site

Trying to recover from a bad credit history .I applied for first premier and got $250 limit, orchard bank $300 limit.

on my report:

Bad reports

Capital One $4,238 charge off, balance started at $1,200 it accumalated to the $4,000

Capital One platinum $1235 charge off. balance started at $600 it accumalated to the $1,200

Hsbc-best buy charge off

credit first $397 charge off

hsbc bank-$ 2,295 charge off

Providian visa-$500 charge off

providian mastercard- $400 charge off

unifund collection account $389 reporting

Midlan Credit-$198 I disputed BP, which they removed, but Midland keeps requesting this money but no deletion

Midland Credit $682  from Old phone bill they are not even on my report, but midland is requesting this money

Radio shack or AAc $402 they say the account is still open but no contact information

asset acceptance-$180 collection

0-public record

0-bankrupty

Good accounts

Sears (Paid in full) a $5,100 credit limit but was late a month so they dropped my limit to $4,650

Plains commerce Bank (Paid in full) they offered me a credit card in exchange for the best buy acct

First Premier Bank _$250 limit

Orchard Bank -$300 limit

Student Loan $17,000 Start making payment in August

fingerhut $135 never used account

carson pirie scott-$68(paid in full)

what should i do next?

Transunion - 581

Experian -605

Equifax - 637

[nicemann]

How old are the charge offs? You have a decent credit score especially with all of the baddies.

[FREE4ALL]

What date do I go by?

[FREE4ALL]

bump for responses

[nicemann]

DOFD is what you what to really look at, is it recent or years old?

[FREE4ALL]

Capital One/ Feb 2003

Capital One platinum/feb 2003

Hsbc-best buy /Nov 2002

hsbc bank/oct 2002

Providian visa-/oct 2002

providian mastercard-/feb 2003

unifund collection account /

Midlan Credit/sep 2002

Midland Credit /june 2002

Radio shack or AAc -sep 2002

asset acceptance/ oct 2002

The year 2002 & 2003  bad years no employment

[Anonymous]

I am just browsing through this site. I don't have a credit problem. I never owned a credit card and don't plan on it. I don't believe in borrowing nor do I ever recommend it. I'm 29 years old and I have some few debts that I'm working on. I attend Financial Peace University and it's been such an eye opener for me. Growing up, my parenting did not educate me on finances or how to save. So as an adult I have to educate myself. I've come to realize that it's really our frame of thinking. Please check out this website: Daveramsey.com. He is changing lives around the world. It takes time, saving and discipline. Let's break this horrible cycle of Debt, and let's start planning for our future! God bless you!

[FREE4ALL]

bump

[FREE4ALL]

bump

[InfinitiG35]

If you are unsure about the amounts owed on these debts, and how they got so high, you could start with disputing as many of the items as you feel necessary. Dispute the amounts owed, and do a separate dispute for each credit bureau; some of the items may get deleted. Otherwise, since they are so old, you might just hold off and wait for them to drop off. The ones from 2002 should drop off next year. Sometimes, if the accounts are old enough (and close to getting dropped off) the credit bureaus may just delete them if you dispute it earlier.

Message Edited by InfinitiG35 on 04-10-2008 12:11 PM