Re: I am soooooo confused don't know where to begi... - myFICO® Forums

gdtobefree · ‎02-04-2008

I sit here and read and read and read and probably confuse the mess out of myself on my own,

I have so much to do and don't know where to begin.

I started out with online dispute (I know I know DON'T DO THAT I didn't here about this site until after I did it), Well, that result in getting 4 Co removed because they were past SOL and Sears updated to pays as agreed but still with lates in 03 (didn't ask for that so I am not going to touch it).

I have 8 baddies left and 1 CA that the OC said medicaid paid it for my 2 yr old so it is a 0 balance and their servicer is checking it out and will remove the CA when the hospital sends them the info.

I think what confused me was the combined reports I got from all 3 CRA's now I have a HUGE mess on my hands.

Anyhow here is the line up can someone in BABY STEPS tell me where to start?

EQ 510 up from 501 not much but hey it is up. 2/1/08

Under negative factors it says that my balances to CL or high credit on revolving accts is 134% only 2 of all these accounts are actually open and I am using and both have 0 balances, confused? ME TOO

I know I am stuck with this one, the person I co signed for let the truck go and NO ONE ever notified me, if I had known about it then I would have gladly taken over the truck and the notes.

1. GMAC status CO date opened 3/03 Balance 11753.00 Date reported 1/08 past due 0

Date of last payment 10/06 DOLA n/a major 1st delinq 11/06 Charge off amt 0 DOFD 5/06

comments CO lates 5/06 30 6/06 30 7/06 60 8/06 30 9/06 30 10/06 CP 11/06 * 12/07 CO

2. Applied Card Bank (Don't know who this is but they verified it) status CO revolving Cl 700

Opened 6/01 Bal 1543.00 reported 12/07 past due 1543.00 Last payment 6/03 DOLA n/a

Co amt 1543.00 DOFD 4/03 comments CO 81 mp pay hist, good lord Co and 30- 120 all over the place 05-06 shows all CO's 04 shows all *'s 03 shows 30/60/*/*/30/60/90/120/120 SOL past

3. Cap 1 #1 stat CO CL 200.00 opened 11/00 bal 1680.00 reported 1/08

past due 1680.00 last pay 9/02 DOLA n/a DOFD 10/03 81 pay his all clear until aug 05

all co until 12/07 SOL past

4. Cap 1 #2 stat CO CL 500.00 opened 1/02 Bal 2629.00 reported 1/08 past due 2629.00

last pay 9/02 DOLA n/a DOMFD 7/04 activity des closed Co amt 1251.00 DOFD 9/02 comments CO account closed by grantor 81 no pay his 2002-7/05 all *'s 8/05-12/07 all CO's SOL Past

5. First premier stat CO Cl 300 opened 3/02 bal 663.00 reported 12/07 past due 663.00

last pay 4/03 DOMFD 10/03 DOLA n/a Co amt 663.00 DOFD 6/03 pay hist shows only one CO in Aug 04 everything else is *'s SOL past

6. Household cr svc stat CO CL 0.00 HC 923.00 opened 11/01 Bal 0.00 reported 12/07

last pay 7/03 DOLA n/a Co amt 0.00 Act description transer/sold/paid date closed 12/03 DOFD 8/03 81 mo pay hist shows ALL *'s no lates no Cos 11/01-11/07 Comments cons dispute charge off acct SOL past

7. Householed cr svc 2 diff acct # stat CO opened 6/01 bal 0.00 reported 12/07 past due 0.00 last pay 7/03 DOLA n/a act description transfered/sold/paid closed 12/03 DOFD 8/03 81 hist all *'s 7/01-11/07 comments cons disputes charge off SOL past

8. Arrow Financial Svc ( no clue who they are and what for) stat collection in BIG words ind acct OPEN HC 663 date opened n/a Balance 1157.00 reported 1/08 past due 1157.00 DOLA n/a DOFD 6/03 type of loan factoring co account (debt purchaser) consumer disputes collection account NO PAY HIST according to DOFD SOL past

The one collection I have med bill 167.00 DOFD 1/06 bal date 1/08 this is the one that medicaid paid as per hospital but not their acct rec dept, so I am waiting for the hospital to send them the updated info and to have them remove the collection.

Goodies Household bank 2 accounts both with 300 Cl's and 0 balances as I pat them off every month and no lates since 11/06

And I had a loan through a Cu in 02 that was paid as aggreed no lates and the comments state auto loan closed paid account 0 balance

This is an EQ report dated 2/1/08 EX and TU got even messier and I had to put the stack of papers down, since everyone that I have ever applied with uses EQ I decided to start there first the other hopefully when I find out what to do with this one an order will follow such as deletes reported to ALL CRA's leaving a smaller mess with the others to clean up.

I know this is a long post and I laid everything out for someone to read and advise me as to where to start.

I am the type of person that manages to screw everything up in some way shape or form and I NEED to get this right, my children depend on me getting this right and finding a REAL place to live instead of this dump we are in now, I want to be able to go to work and not worry about a drive by happening or some hoodlum trying to break into my house and hurt my children ages 15 DD and DS 3 1/2.

Did I mention I have the best DD in the world? And I raised her ON MY OWN as a single parent, DS is another masterpiece in the works. Please help me in BABY STEPS and I know this is a lot to ask can we take this one by one? My brain can't take anymore confusion LOL.

Message Edited by gdtobefree on 02-04-2008 12:03 PM

Anonymous · ‎02-04-2008

Anything past SOL first DV - if they can validate then try for a PFD (take the balance and divide by 7 -- then multiply by the number of years left to report (most are 2-3) then multiply that by .75 as an offer to remove). Do these one at a time as you have the funds to pay immediately what you offer. A PAID collection does you no good in scoring - it must be removed to help your score.