Ok, I've been going thru these forums for 2 days now and just the lingo alone is tripping me up.
I got a copy of my credit report thru a morgage company, although I have no intention of buying a home right now.
My scares are EFX 603 XPN 613 TUC 558
I have a past due of $5308 for a Cedit card that I had prior to my marriage but which was used by both my now exhusband & I while we were married. Per the divorce he was responsible for paying that debt due to the fact it was marital debt. He never paid it. LVNV Funding came after me, so to avaiod getting a judgement I have had 10% of my check taken out every pay period. Im a single mom, who's ex. has moved to florida and has not paid child support, daycare or anything else since he left its been 2 1/2 months.
After 4 yrs of working at the same job I've decided to open my own business but before I can even begin to do that I need to clean up my credit. I really dont know where to begin.
Here is what is on my report, not sure what else to include.
1.LVNG Funding $5308 collection
2. (2 ) medical Payment both for $408 dated 11/06 & 12/06 Collection
3. American Adjustmetn BU/155 $101 Collection
4. CB of the Hudson Valley - Medical Collection
5. Central Credit - Cental Hudson $66 Collection
There are a few w/ no $amount or say charged off. What does that mean?
I also have 5 that are charge accounts that I no longer have/use. There are no $$ amounts. Term say REV. I'm ganna guess that is revolving. Should these be removed or somehow updated.
I have one other that says acct in dispute from 8/02. I have no idea what this one is for. credit limit $7500
I keep seeing the the following on the forum
DV, CA, OC, and a few more what are these?
Someone please help.
