I am so impressed with the information contained on this board. It's amazing what everyone knows!
My history: I am now 24 and I got in over my head in credit card debt in college - I thought I had taken care of everything (obviously not). According to Experian, all of these accounts are scheduled to come off around August 2010.
Baddies:
WFNNB/Victoria's Secret: $184 Balance, Current status: charged off (additionally, I got this card when I was 17).
CapOne: Settled, Closed in June 2004 $0 Balance, Current status: 120+ days past due
MBNA/BOA: Settled, Closed in June 2004, Current status: OK
GEMB/QVC: $420 balance, Current Status: charged off.
I am not sure how to get about getting these fixed - I don't even have the full account numbers (just what is listed on my credit reports)
Surprisingly, my scores aren't awful: 649TU, 619EQ and DK EX.
I have one thing in collection: a $55 power bill from an old apartment. I am going to try a PFD for that!
I have one credit card that I am using now (WAMU) that I pay off in full every month but have only had for a couple months. I wouldn't use credit cards for a long time, due to the horrendously bad judgment I showed in college.
If anyone has any suggestions on the steps to take to attempt to get some of this taken care of, I would be forever grateful.
Message Edited by frk410s2 on 01-08-2008 12:40 PM
