New to the boards: Where to begin? (warning....long!!) Part 1

[Anonymous]

We want to buy a house in the near future, so I have pulled our reports. This is what we are dealing with: (PS-State is Nebraska)

Chase NA:

Balance: $859

Pay Status: Collection/Chargeoff

Opened: 5/12/03

Reported: 5/19/2004

Late payments (last 7 years): no notations in the 30, 60, 90 Days late column

Remarks: TU--charged off as bad debt, profit and loss write off

HSBC Bank:

            Balance: $3402

            Pay Status: Collection/Chargeoff

            Opened: 5/2/03         

            Reported: 5/31/04

Late payments (last 7 years): no notations in the 30, 60, 90 Days late column

Remarks: TU--charged off as bad debt, canceled by credit grantor

Discover Fin:

Balance: $673

Pay Status: Collection/Chargeoff

Opened: 4/27/03

Reported: 8/08/08

Late payments (last 7 years): no notations in the 30, 60, 90 Days late column

Remarks: TU--charged off as bad debt, profit and loss write off

*side note—I believe this one is also on my husbands report as a judgment. We are current on the judgment, doing a payment plan. I think this is why it is showing payment reported date of 8/8/08

[Anonymous]

going to have to continue in replies....stinking character limit!!

Citi Auto:

Balance: $0

Pay Status: Current

Opened: 7/29/2003

Reported: 01/16/2006

Late payments (last 7 years): 30 days—3, 60 days—1, 90 days--2

Remarks: TU—closed

*side note: this is my car loan. Paid in full (on correct loan close date) on 8/1/08. I just received the title to my car with a letter that my report will be updated w/in 60 days. It appears to me that this is the only account with lates on it, could I write a GW letter and ask them to remove the lates?

Auto Accept:

Balance: $0

Pay Status: Current

Opened: 8/01/2001

Reported: 01/01/2003

Late payments (last 7 years): no notations in the 30, 60, 90 Days late column

Unique NTL C

Balance: $338

Opened: 8/29/2006

Reported: 5/25/2007

Remarks: TU—placed for collection (although its already in collection)

CRD PRT ASSO:

Balance: $121

Opened: 1/07/2004

Reported: 5/02/2004

Remarks: TU—placed for collection—(again, already in collection)

Public Information:

Judgment filed 10/14/2005

Amount: $1235

Status: Filed

**this judgment has been paid in full for at least 6 months already, if not a year.

[Anonymous]

Husband’s Report:

Judgment: Discover Bank (the same one that was on my account, reporting 8/8/08)

Balance: $3773

Current on judgment payments

Adverse Accounts:

American/People National

Balance: $0

Pay Status: Paid or Paying as agreed

Opened: 6/2000

            Closed: 02/2007

Date Updated: 02/2007

Late payments (last 7 years): only 1 30 day late, in last 48 months

Remarks: Closed

**this was his car loan. It has been paid off since Feb 2007, but still shows up adverse. There was only 1 late payment made on this account ever.

Chase NA:

Balance: $0

Pay Status: charged off as bad debt

Opened: 5/2003

            Closed: 01/2004

Date Updated: 04/2005

Remarks: settled—less than full balance

Citifincial Auto:

            ---See my report above. It’s the same loan.

[Anonymous]

Discover FINCL SVC LLC:

Balance: $673

Pay Status: charged off as bad debt

Opened: 4/2003

            Closed: 06/2005

Date Updated: 08/2008

Remarks: profit and loss writeoff

**** this is the account that we have the judgment for. This account keeps dinging his reports (and mine I think) with 30 day lates, even though it is in judgment status. I believe it is reporting twice.

HSBC bank:

Balance: $0

Pay Status: charged off as bad debt

Opened: 5/2003

            Closed: 12/2003

Date Updated: 05/2005

Date paid: 10/2003

Remarks: purchased by another lender

Unique National Coll:

Balance: $831

Pay Status: collection account

Opened:

            Closed:

Date Updated: 08/2007

Remarks: placed for collection

*********************************************

Ok thats it!! Thanks for any suggestions!