Hi Everyone,
I am new to the board and am currently trying my best to bounce back from a hard financial time during the past 2 years. Long story short I had a difficult pregnancy, doctor ordered bedrest from work, hospitalized to save my and baby's life, had a successful birth, went back to work, lost my job, and currently about to lose the house. Foreclosure date is set for next month, however I have accepted it and moved to an apartment for about 5 months now. I also was able to find another job and have been working for about 6 months. So now I that I know the foreclosure it about to hit my credit and possibly bring my myfico score down even more I want to start back rebuilding early and hopefully in 4-5 year be able to buy again. My current EQ myfico is 503. I am copying my TU report for any advice on what to tackle first in terms of paying off, disputing, GW, PFD, etc. I thank everyone in advance for your help!
Oh, I also wanted to note that before I found this forum I went on a dispute spree so I noted that items that I disputed on both EQ and TU. I haven't seen my EX report.
JUDGEMENT ACCOUNT
Public Record: Waterford Crossing Apartments $3,955
Date Filed: 07/06/2011
Type: CIVIL JUDGMENT
Estimated month and year that this item will be removed:
06/2018
I honestly don’t feel I owe this as I gave proper notice and left for military deployment. I received the letter of the court date while I was hospitalized during my pregnancy and was unable to attend. I contacted both the lawyer and the court and no one was willing to help even though I had document proof from the hospital and my doctor.
COLLECTION ACCOUNTS
FROST-ARNETT COLLECTION (Medical Bill)
Placed for collection: 02/27/2012
Balance: $1,863
Original Creditor: MEDICAL-GWINNETT ANESTHESIA SERVICE (Medical/Health Care)
Estimated month and year that this item will be removed: 08/2018
HOLLIS COBB ASSOCIATES I (Medical Bill)
Placed for collection: 05/20/2010
Balance: $377
Original Creditor: MEDICAL-GEORGIA EMERGENCY MEDICINE SPE
Estimated month and year that this item will be removed: 07/2016
AFNI (Direct TV)Disputed with EQ/TU on 1/8/2013
Placed for collection: 11/01/2012
Balance: $224
Original Creditor: DIRECTV (Utilities)
Estimated month and year that this item will be removed: 07/2019
Dish Network:
$59: Disputed with EQ 1/8/2013 (ONLY ON EQUIFAX)
FRANKLIN COLL SVC (ATT) Disputed with EQ 1/8/2013
Placed for collection:04/29/2011
Balance: $119
Estimated month and year that this item will be removed: 05/2017
OPEN ACCOUNTS
WELLS FARGO HOME MORTAGE
Actively in Foreclosure. Sale Date Feb. 5, 2013
SALLIE MAE:
90 days late 2 times). CURRENTLY DEFFERED TILL 2/25/2017.
Balance:$6423
Date Opened: 08/17/2007
Account Type:Installment Account
Loan Type: STUDENT LOAN
DEPT OF ED /NELNET
CURRENT NO LATES. CURRENTLY DEFFERED TILL 2/25/2017
Balance: $4239:
Date Opened: 10/17/2012
Account Type:Installment Account
Loan Type: STUDENT LOAN
CAPITAL ONE AUTO FINANCE
Date Opened: 12/22/2010
Account Type: Installment Account
Loan Type: AUTOMOBILE
Pay Status: Current; Paid or Paying as Agreed
Terms: $309 per month
Current Balance: $13,824
COMENTIY BANK/MAURICES
Date Opened:09/06/2005
Account Type: Revolving Account
Loan Type:CHARGE ACCOUNT
Balance: $0
Date Verified: 04/01/2009
Credit Limit: $200
I don’t have a card for this account so it hasn’t been used since 2007 and actually thought it was closed.
CLOSED/PAID ACCOUNTS
COMENITY BANK/VCTRSSEC Disputed with EQ 1/8/2013
Date Opened: 09/16/2006
Account Type: Revolving Account
Loan Type: CHARGE ACCOUNT
Balance: $0
Date Verified: 11/01/2009
High Balance: $455
Pay Status: Account paid in Full; was a Charge-off
Date Closed:09/01/2008
Date Paid: 05/19/2009
Estimated month and year that this item will be removed: 02/2015
USAA SAVINGS BANK Disputed with EQ 1/8/2013
Date Opened: 08/20/2006
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $0
Original ChargeOff: $1,334
Credit Limit: $1,000
Pay Status: Account paid in Full; was a Charge-off
Date Closed: 08/01/2008
Date Paid: 05/19/2009
Estimated month and year that this item will be removed: 04/2015
TOYOTA MOTOR CREDIT CORP
( 30 days late 3 times, 60 days late 1 time): Disputed lates with EQ 1/8/2013
Date Opened: 01/15/2007
Account Type: Installment Account
Loan Type: AUTOMOBILE
Balance: $0
High Balance:$15,670
Pay Status:Current; Paid or Paying as Agreed
Date Closed:03/01/2009
Date Paid:03/01/2009
BENEFICIAL NAT BANK USA
Date Opened: 01/03/2007
Account Type: Open Account
Loan Type:UNSECURED
Balance: $0
High Balance:$400
Pay Status: Current; Paid or Paying as Agreed
Date Closed: 09/20/2008
Date Paid: 02/15/2007
Remarks:CLOSED
EDFINANCIAL/CONDUIT ASL
Date Opened:09/22/2005
Account Type:Installment Account
Loan Type: STUDENT LOAN
Date Updated:11/02/2012
Pay Status:Current; Paid or Paying as Agreed
Date Closed: 11/02/2012
High balance of $4,000 from 09/2010 to 09/2010; $2,620 from 10/2010 to 11/2012
Starting: 503 EQ FICO (1/2013-Pre Foreclosure) 
The way that I decided to approach my debt was to snowball.......I started with the smallest/lowest bills and GWed to delete right away. Different states/districts handle judgments in different ways. If you determine that you are in fact going to have to pay that, or if you wish to dispute it, try calling the courthouse and talk to a clerk about the next steps. Good luck 
Called the clerk today and she was NOT helpful at all. And she advised me that the judgement was actually more now because of interest. Like $4200. I work in the apartment industry so I sought advice from my property manager who deals with sending things to collections/lawyers all the time. He recommended I contact the property/OC and speak with them. So I did that and I was advised that the apartments have since changed management and would love to help me. I adv her of what happen and my deployment and she quickly went to research and found my account. It stated I owed a balance of $723 for last month's rent. I kindly explained to her I didn't feel I owed this because I gave proper notice with my deployment orders and I have proof of that. I also explained what happened with their lawyer and the filing while I was pregnant. She advised me she was going to try and get approved by corporate to have their lawyer drop the judgement and that she would call me back tomorrow. Fingers crossed that this actually happens. Will update as soon as I hear something.
Just wanted to update that I did some credit repair things in January and disputed some items. I am so HAPPY to say that ALL my collection accounts were DELETED!!!
Now I just have to work on this judgement and trying to get a PFD which the law firm has already told me they don't do. They also advised me they don't verify. So I will have to research how to handle this because the state of TN (where the judgement is) does not vacate judgements PERIOD! The foreclosure is just a waiting game. And I will be trying to goodwill the paid charge-offs. If no success I will just wait until they fall off in 2015. Overall I am super happy with my progress so far.
JUDGEMENT ACCOUNT
Public Record: Waterford Crossing Apartments $3,955
Date Filed: 07/06/2011
Type: CIVIL JUDGMENT
Estimated month and year that this item will be removed:
06/2018
WELLS FARGO HOME MORTAGE
Actively in Foreclosure. Sale Date Feb. 5, 2013. Didn't happen.
New sale Date: March 5, 2013
CLOSED/PAID ACCOUNTS
COMENITY BANK/VCTRSSEC Disputed with EQ 1/8/2013
Date Opened: 09/16/2006
Pay Status: Account paid in Full; was a Charge-off
Estimated month and year that this item will be removed: 02/2015
Came back verified so will try and goodwill or wait for it to fall off in 2015.
USAA SAVINGS BANK Disputed with EQ 1/8/2013
Date Opened: 08/20/2006
Pay Status: Account paid in Full; was a Charge-off
Estimated month and year that this item will be removed: 04/2015
Came back verified so will try and goodwill or wait for it to fall off in 2015.