@Alexj931 wrote:Hope all is well.
My name is Alex i posted a while ago, and attempted to start my new journey on actually getting off my lazy behind and start to change my score. In the mist of things i got a new job finished school and now making some actual decent money (compared to where i was before). Although i ut all my credit buliding aside for all that time. Now im actually currently ready to make that step into the light lol. Since i have taken some time away for school and work etc. I really dont know where to began. I have put away quite a chunk of change to pay some stuff ; but i just dont know where to start because i dont want to trigger something that might fall off this year? I have no idea where to start; i dont know what im FICO score is yet; im going to know for sure tommorow; but i did get a free credit report from annual;
My questions are should i just call the CA's of the below OC's and pay in full (i do have the money) or what?
from transunion as of 09/04/2014: NEGATIVE ACCOUNTS
This is the OC Account-->Bank Of America; Date Opened-> 04/25/2007 DATE CLOSED: 07/31/2009 CHARGED OFF Owe 762.00 But i paid a collections agency and it was settled but this is still showing up.
Capital One Date Opened 09/05/2007 date closed 09/2010 charge off but it states account paid in full; was a charge off. account sold to CA. amount owed 1008.00
Chase Credit Card date opened 04/25/2007 date closed 03/24/2009 charge off sold to CA. amount owed 928.00
HSBC Bank date opened 05/08/2008 DATE CLOSED 04/08/2009 charge off owed 700.00
DEPT OF EDU (student loan amount owed of 1000.00 ) I paid this off already in full.
****BELOW****THESE ARE THE COLLECTION AGENCYS OF THE ABOVE
CALVARY PORTFOLOIO _OC FOR HSBC IN COLLECTION AS OF 12/08/2011 AMOUNT
CALVARY PORT COLLECTION _FOR BANK OF AMERICA ACCUNT WAS PAID IN FULL DATE PAID 02/1/2012 BUT IT STILL SHOWS UP?
MIDLAND FUNDING FOR 783/HSBC CREDIT CARD.PLACED ON CA 12/03/2011
NORTH AMER CREDIT CERVICES FOR HOSPITAL BILL 850.00 PLACED ON 03/19/2014.
PORTFOLIO RECOVERY FOR CAPITAL ONE PLEACED ON COLLECTION ON 12/24/2012;
THEN ON TO OF THESE I HAVE A BUNCH OF THE 120 DAY LATES ON THE ORIGINAL CREDITORS FOR THE CREDIT CARDS
First off, you need to figure out what's still within legal action, per SOL of your state. That will go by the DOFD of the OC accounts, where you defaulted and never recovered/paid (on each account).
Some of this is looking near CRTP, which usually indicates past SOL too, if you're lucky residentially.
Don't go DV crazy until you know the dates for it all. CA's have to adhere with the OC DOFD, in regards to legal action, and pursuing it legally, which some kinda don't, and don't play nice when disputed either.
