newbie with a few questions

[Anonymous]

Hello guys and gals.  Ive been lurking these forums in hope of finding some resources on how to get my credit back up into the 700+ range.  Im 26 and in great need of improving my score for my future.

I pulled my credit via annualcreditreport.com and I wasnt even sure what I was looking at.  I couldnt find a # score all I had was a list of whats on my transunion report.  As of now my credit is around 650 as i remember from the last time I tried to get a cc.  I have 2 acoounts with bad payment histories but never went to collections.  I only found this out when I pulled my credit this year and it was the first time I even knew all these accounts in my name existed, my mom apparently took these out and I wasnt even informed.  The late payments were her fault as she is the one who took these accounts out and was paying for it.  So up till a few months ago I took over all these accounts and I am paying for all of it.

So to start this all off I had bad credit knowledge before I came to this site and started reading.  I have a cc with a limit of 5700 and was almost maxed out making a little more than min payments each month.  So at the start of this year I was detemined to pay it off.  From Jan 2013 til Apr 2013 it went from 5700 to 200.  

I have a line of credit with 2 bad marks 30 days late.  Balance is 3600 and this is an account I didnt know existed.  I have taken over and hope to pay this off in a few months.  My question is can I send GW letters even though I am still paying this account off?  

Second, my mom has a cc under her name and me under it also.  I have also taken over this account and didnt know this card even existed till recently.  Balance is now 800 but this is the account that is driving me insane.  From 01/2011 it goes 30 days 60 days 90 days 120 days 120, 120, 120, 120, 90 days then ok, ok, ok.  So 9 bad marks, serious delinquencies.  WHAT CAN I DO?  All my other accounts have been paid off in full and in good standing.  But I believe these 2 accounts are hurting me bad.

Any help would be greatly appreciated.  Sorry for the long post but Im at a lost right now as to where to go from here.

[Countingpennies]

I'm sorry your mom trashed your credit. She no longer has the cards or access, I hope. Any chance she may open more in your name? You may have to put a freeze on your credit reports, but wait to hear from some others on this, I'm not that familiar with it.

I'm not an expert, I'm sure they'll be along soon with more help. However, technically, this is identity theft. To prove this, it requires a police report, and since this is your mom, I don't know what to advise.

As far as your reports go, did you get all 3 from annualcreditreport.com? If only one, get the other two. You need to check all of them. No, your scores are not included.

[Anonymous]

okay I think I only printed the transunion but viewed all of them. stupid move by me. cc is closed and she has no more access

[Anonymous]

anyone have any ideas on what I should start doing with the account with all the delinquencies??

[qd]

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@Anonymous wrote:
anyone have any ideas on what I should start doing with the account with all the delinquencies??

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I know people here talk about sending GW letters to try and remove the lates from their report on their active credit cards...so that should be an option for you as well. 

[simi_go]

First of all, I would definitely do the freeze. If she has done this in the past she still has the ability to do it in the future. Next you say that the card that has the latest is your mother's card but you are on it. Are you an AU? Is it joint? Is she the AU? If you are the AU then you can have yourself removed from the card then ask the issuer to delete the TL since you are not on it. If it's your card or joint then I would pay it then start sending good will letters.

[DaBears]

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@Anonymous wrote:
anyone have any ideas on what I should start doing with the account with all the delinquencies??

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Hi hoe_nah and welcome to the formums. I would seriously think about getting a police report it doesn't matter how old the debt is. get a freeze put on your reports. The CRA's are required by law to remove the TL's that have identity theft on them and block them from eveyone else. 

[Anonymous]

so I am the primary on the acct and my mom made herself the AU.  going to pay off the remaining $830 this month and start sending gw letters.  could I ask this bank for past statements? like what it was used for?  the whole police report seems out of the question as of now, but I will look into doing the freeze you all reccomend.

[09Lexie]

In addition, whatever cc's your Mom opened without your knowledge, move to have her removed as AU. Immediately.

[Lasardo]

Welcome to the forums and congratulations on starting the journey to better credit !
I'm glad you made it here, this is will you get all the advise you need to get things rectified and we will get these things fixed through persistence.. That is key.
As suggested previously; I would start with your goodwill letters now, no need to wait until the cards are paid off.
Read through the bottom portion regarding goodwill letters which I have copied and pasted for you.
When writing these GW letters do not hesitate to advise your circumstances regarding your mother and what steps you have taken to rectify the situation. Additionally, explain that you realize you could have her charged with fraud but considering ITS YOUR MOTHER it is not an option (building understanding and sympathy with the reader). Don't worry she will not get in trouble with the bank, ( what you do with your credit is your business ) only if you file charges.
Ask for them to remove the negative marks, I think you should get some if not all removed especially since you are paying or have paid off. Keep sending these letters, find a vp/presidents name etc.(remember persistence?)
You still have some good accounts, see if you can get the credit lines raised, this will improve your scores.
Additionally, I would spend the 9.95 a month to have access to your scores (on this site) while going trough your credit repair.
I might get this bleeped out so shhh.. BUT if you ask Myfico.com they will discount your membership to the 9.95 a month .. you just have to ask! Kind of the theme for the night.. Huh?
Hope you receive some helpful advise, which I am sure you will, and get those scores back above 700!
Good luck