Help a 19 year old?

[Anonymous]

Well I made some bad decisions and my scores are TU 533 EQ 637 EX 513 I currently owe $1,700 to AMEX which I am paying at the moment, and paying my VISA at $900. So my credit is bad but I don't owe too much. My question is how can I tell which things are permanent on my record and which I can take care of? What does the "Not Reported mean?" Collection on debt to: Bank Of America Nt Sa The collection agency "Ltd Financial Svcs Lp" was hired to collect a debt of $151 originally owed to "Bank Of America Nt Sa" on account number "XXXXXX[Edited] ". Collection agency [?] Ltd Financial Svcs Lp Original balance [?] $151 Current balance [?] $159 Status [?] Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department Date assigned [?] Feb 26, 2008 Date reported [?] Not Reported Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Bank Of America Nt Sa Account number [?] XXXXXX[Edited] Type of account [?] Unknown Account holder [?] Not Reported Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported The collection agency "Div Rev Rcvy" was hired to collect a debt of $726 originally owed to "Sacramento County" on account number "XXXX[Edited]". Collection agency [?] Div Rev Rcvy Original balance [?] $726 Current balance [?] $418 Status [?] Not Reported Date assigned [?] Nov 05, 2007 Date reported [?] Aug 01, 2008 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Sacramento County Account number [?] XXXX[Edited]Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Credit At-A-Glance Total past due [?] Credit history [?] Late payments [?] $430 past due on 4 accounts 1 Year 0 Total balance of Your revolving accounts [?] $2,751 Your mortgages [?] None Your installment loans [?] $473

Edited to remove personal information. Please do not share personal information, such as account numbers on the forums. - sidewinder

Message Edited by sidewinder on 08-28-2008 07:43 AM

[Anonymous]

Are you using firefox or IE? The post ran together too much to decipher what was posted.

If you are using firefox, look down at the bottom of the message box when you are typing and look for "Automatically convert carriage returns to HTML line breaks", make sure that is checked.

You can always use "preview post" to see if it is working.

Now, with that out of the way.

If you haven't read the stickied threads at the top of the forum, I suggest you start there. Some of them you can get to by clicking the links in my signature.

Next, if you haven't already, I suggest you pull your free annual reports, as they will have much more detailed information, including the dates that are important.

Then post back with what negative accounts you have, who is reporting them, what the DOFD, DOLA, and SOL is, if they are paid or unpaid.

For medical debts, indicate that the account is medical in nature. Also, see link in my signature regarding medical debts.

Welcome to the forums!