We need your help. Here is what my credit report from tu, is reporting.
PUBLIC RECORDS
Wayne County 36th Distri Docket#
civil judgment
Date filed:03/2007
Amount:$1231
Estimated date of removal:2/2014
Wayne County Register of Docket#
state tax lien
Date filed:2/2009
Amount:$699
Wayne County Register of Docket#
state tax lien
Date filed:7/2008
Amount:$503
ADVERSE ACCOUNTS
Arrow Financial Services
Balance:$224
Date updated:1/2009
Original Balance:$195
Original Creditor: Plains Commerce Bank
Pay Status:Collection
Account type
pen account
Arrow Financial Services
Balance:$586
Date Updated:5/2008
Original Balance:$433
Original Creditor
remier Bank Card
Past Due:$586
Pay Status:Collection
Account Typepen Account
Atlantic Credit & Finan
Balance:$732
Date Updated:12/2009
Original Balance:$732
Original Creditor:Med 1 Bally Health Club
Pay Status:Collection Account
Account Typepen Account
Bally Total Fitness
Balance:$0
Date Updated:3/2009
High Balance:$2878
Terms:$119 for 24 months
Pay Status:Charged Off As Bad Debt
Account Type: Installment Account
Date Opened:1/2007
Date Closed:3/2009
Credit Acceptance Corp
Balance:$5946
Date Updated:1/2008
High Balance:$10751
Past Due:$5946
Terms:$358 for 30 months
Pay Status:Repossession
Account Type:Installment Agreement
Date Opened:1/2005
Date Closed:3/2006
Credit Protection Assoc
Balance:$646
Date Opened:7/2009
Original Balance:$646
Original Creditor:Comcast Cable
Pay Status:Collection Account
First Bank of Delware
Balance:$0
Date updated: 8/2008
High Balance:$600
Credit Limit:$375
Past Due:$0
Pay Status
60 Days Past Due
Account Type:Revolving Account
Date Opened:8/2007
Dated Closed:7/2008
Date Paid:7/2008
Account Closed by Consumer
First Premier Bank
Balance:$418
Date Updated:1/2009
High Balance:$418
Credit Limit:$300
Past Due:$150
Pay Status:Charged Off As Bad Debt
Account Type:Revolving Account
Resposibility:Authorized Account
Date Opened:9/2007
Date Closed:7/2008
First Premier Bank
Balance:$0
Date Updated:11/2008
High Balance:$422
Credit Limit:$250
Past Due:$0
Pay Statusaid or paying as agreed
Account Type:Revolving
Resposibility:Authorized
Date Opened:11/2006
Date Closed:7/2008
Date Paid:7/2008
First Premier Bank
Balance:$0
Date Updated:1/2008
Collateral
LDTO Arrow Financial Services
Credit Limit:$300
Past Due:$0
Pay Status: Charged of as bad debt
Account Type:Revolving
Date Closed:6/2005
Date Paid :10/2005
Ginnys
Balance:$308
Date Updated:12/2009
High Balance:$308
Past Due:$90
Pay Status:Charged off as bad debt
Account Type:Revolving
Date Opened:5/2008
Date Closed:5/2009
Jefferson Financial Services
Balance:$746
Date Updated:12/2009
Original Balance:$777
Original Creditor:Imagine Mastercard
Past Due:$746
Pay Status:Collections
Account Typepen Account
Date Closed:12/2006
META Bank
Balance:$0
Date Updated:5/2006
High Balance:$440
Credit Limit:$300
Past Due:$0
Pay Status30 days past due
Date Opened:3/2005
Date Closed:4/2006
Midnight Velvet
Balance:$352
Date Updated:12/2009
High Balance:$352
Past Due$50<
Pay Status:Charged off as bad debt
Date Opened:5/2008
Date Closed:5/2009
Plains Commerce Bank
Balance :$284
Date Updated:2/2009
High Balance:$284
Credit Limit:$242
Past Due$140<
Pay Staus:Charged off as bad debt
Plains Commerce Bank
Balance:$195
Date Verified:12/2006
High Balance:$300
Past Due$195<
Pay Status:Charged off as bad debt
Date Opened:8/2004
Date Closed:11/2004
Remarks:Transferd to recovery
Premium Asset Recovery
Balance:$50
Date Updated:11/2009
Original Balance:$50
Original Creditorakwood Hospital
Past Due:$50
Pay Status:Collection
Placed for Collection:4/2008
Premium Asset Recovery
Balance:$50
Date Updated:11/2009
Original Balance:$50
Original Creditorakwood Hospital
Past Due:$$50
Pay Staus:Collection
Placed for Collection:4/2008
Premium Asset Recovery
Balance:$50
Date Updated:11/2009
Original Balance:$50
Original Creditorakwood Hospital
Past Due:$50
Pay Status:Collection
Placed for Collection:4/2008
There are 2 more for Premiem Asset Recovery for $50, for a total of 6 and I have one for $486,same info as the others
Sallie Mae
Balance:$2686
Date Updated:11/2009
High Balance:$2625
Past Due:$0
Terms:$26 for 120 months
Pay Statusaid or paying as agreed
Date Opened:9/2004
3-90 day lates and 1-120 days late
Sallie Mae
Balance:$4553
Date Updated:12/2006
High Balance:$4000
Past Due:$0
Terms:$45 for 120 months
Pay Statusaid or Paying as agreed
Date Opened:9/2004
3-90 day lates and 1-120 day late
Washington Mutual Bank
Balance:$0
Date Updated:12/2006
High Balance:$62577
Past Due:$0
Terms:$0 for 360 months
Pay Status: Paid or paying as agreed
Date Opened:9/2004
Remarks:Transfered to another lender
8-30 day lates, 6-60 day lates, 18-90 day lates
Wells Fargo
Balance:$0
Date Updated:6/2007
High Balance:$62577
Past Due:$0
Terms:$795 for 360 months
Pay Status120 days late
Remarks:Forclosure proceedings started 2/2007
Date Opened:1/1999
Dated Closed:6/2007
I know there is a lot, and I need a lot of help. All help is greatly appreciated.
Wow...that's a lot.
Perhaps you could provide more than just your report, such as:
1. Is there anything that is inaccurate?
2. What is your income and financial circumstances?
3. Have you considered BK?
There is nothing to magically make these all go away. The judgments and tax liens will need to be satisfied. You should try to negotiate with the judgement to allow you to file motion to vacate when you settle.
As for the others, unless they are inactive and you are just planning to wait them out, you will have to start 1 at a time with settlements, preferably "Pay For Delete" settlements.
Until items are beyond SOL, you can be sued. After SOL you can enter a defense of barred by SOL if they sue.
CA's are tough. Some may be willing to Pay for delete. Some won't. The problem is that once you begin communicating, disputing or DV'ing the accounts they will become active and update the statuses. So if you don't have financial ability to make a settlement, there isn't much use in contacting them initially.
You may want to at least have a consultation with a BK attorney.
Hi Nursybp! 
First things first-- take a deep breath, roll up your sleeves, flex your fingers, and dig in your heels. It's going to take some time, persistence, probably a few tendrils of your sanity, but it's doable, What you can't fix, time will take care of.
Have you already read What Steps Do I Take? Do I DV? PFD? If you haven't, it's a great read on how to get started.
The good news is that it sounds like you've got positive income flowing now, and some of these debts are pretty small. I also noticed that some of these you were only an authorized user on. You should be able to dispute as "Not mine" to get those removed.
Have you paid the state tax liens? The clock won't start ticking for removal until you do. What about the judgment? I believe that judgments can be renewed in Michigan for another 10 years, after the 1st 10 years, so you don't want that hanging over your head. You might be able to get the attorney for the plaintiff to agree to vacate it entirely, if you pay. It also looks as if you may have started paying some of the open/active collections, because there's a recent DoLA & a reduced balance. Have you negotiated PFDs for these?