@Anonymous wrote:
@RobertEG wrote:
To be c;ear. you accrued derogs on your credit cards because your bank account was the subject of identity theft, thus leaving you without hte $ to pay?
The delinqiuent credit card debt was then paid, but derogs remain?
What are the dates of the reported monthly delinquencies?
Somewhat true, I didn't have enough money to make my monthly payment. I got 60 days past due and was slammed with late fees which ended up causing overlimit fees. So, it got out of hand fast. After I was 60 days past due is when my bank account information was stolen by my now ex-husband and he had someone authorize a payment with my account info on my credit card - also I should note, he was NOT on this credit card and was not an authorized user, nor was he on my personal bank account. I did a "customer not authorized draft" with my bank. They got the money back and opened me a new bank account. After having dealt with Applied Bank on the phone and they were so rude, I decided I wasn't sending a dime because they didn't believe my story that I was NOT the one who called to make the payment. At the time, I thought, "they could just screw me with this all over again." I didn't file a police report or anything about my bank info being stolen. Years later, Feb 2014, I settled the debt in writing. No notes of having anything removed from my credit report
Dates of reported delinquencies on Experian:
30 day late - one time - doesn't show date
60 day late - one time - doesn't show date
90+ days late - Feb 2014, Jan 2014, Dec 2013, Oct 2013, Sept 2013, Aug 2013, July 2013, June 2013, May 2013, Apr 2013, Mar 2013, Feb 2013, Jan 2013, Dec 2012, Nov 2012, Oct 2012, Sept 2012, Aug 2012, Jul 2012, June 2012, May 2012, April 2012, March 2012, Feb 2012, Jan 2012
Continue to review your posting over the next few days as others with more experience will probably offer additional insight. 
