RainyNights

Thanks for the reply WhyChat. I plan on posting my shame for you, once I get my reports. Should I really sent all that personal info to a CA? Should I request return receipt?

This IS my thought! I do plan to let a sleeping dog lie but wonder when I can breathe easy. I ordered a copy of the police report so I will know the make of the car. They said it was so much because even her spare tire in the trunk needed replaced. There was hardly a dent. The collection co said I had to call the I durance company, the insurance company said call the collection dept. They said the pictures were there property. I was asking for originals. Would this fall under CT SOL? I wasn't habitually late, I think they did this thinking I would pay them back. I have new insurance, I had no choice. I wish I could afford to pay 6 mos at a time but I can't afford to

Thank you, to those who had suggestions, not judgement. steelers1, you don't know me, I don't know your story. At some point you couldn't pay your bills, you claimed BK, some people would view you as a low life. Please keep your judgement to yourself. Most of you insight seems (from the other posters, wrong) You made assumptions that only made you.... Well you know! To anyone that can help 1. I was not knowingly driving w/o insurance. I paid it, I had the accident, when I got back to MD 3 hours later, stopped at the body shop. The hood was damaged they could not open it to assess the damage and guarantee that it would shut or be drivable. They did an estimate, they called the insurance, they got approval for the repairs, they did the repairs. Then I get a call from saying my coverage had termed because my check bounced. 2. Mine is a 2008 Kia Sorento. She had a car, not sure of model it was 2013. 3. I got insurance, as soon as I knew, it was canceled. 4.I got a fine from CT for $150. 5. I have not received anything from MD. 6. Since my original post I have pulled my credit, nothing on there...yet. Also I have not received anything else from either company. 7. I forgot to mention I also received bills from my insurance co for the repairs to my car as well, over $4500. I haven't paid them and haven't received any bills for a few months. 8. If they need to put a judgement on me, I have to accept that, my new job pays less, I lost shift diff, and lots of OT opportunity but it is what it is . If I had the money, I would pay but I STILL only want to pay what I owe. Any suggestions on how I can find out where I stand? Is this part of a 3 year SOL? Thanks again.

Want to start the WhyChat method. I opted out, pulled my scores and reports. Have some past addresses, I want to dispute. Should they be done my mail to?

I have not ordered it yet. Thank you for reminding me. Do you know how to find the statue of limitations? For about 3 month got a bill but haveñ’t heard anything since.i get paid this week and I am going to order my reports

What type of debt would that be. I had a fender bender last year.m y check bounced for my premium. Her insurance company paid for her "repairs" and billed me. It was rush hour, bumper to bumper and we were barely moving. They billed me $13000. They said even her spare tire needed replaced....inside the trunk. I asked Allstate and the collections company for proof and I got the same "estimate" from both. I told them both I wanted pictures. Neither sent them. It has been a hell of a year and I haven't pursued and neither have they. My question is how long do they have? I live in MD accident was in CT. I haven't pulled a recent credit report to see if they are in there. Any help appreciated. I am not saying I don't owe something but there is no way it is $13000.00

I started cleaning a few years ago. I never got finished and I have had some lates ( health issues) I am applying for a job that will be looking at credit worthiness. I am able to "talk to" my credit with them and explain. Has anyone done this and does anyone have examples of what to say. Also is there anything I can do pretty quick to get some change in, and show them I am working on it? Thanks, Christie

That's extraordinarily low for 40 week. Way below minimum for consideration. LOL I meant 40 hours a week. It is $30,160.oo per year w/o OT and incentives.

I may not have enough information to ask but am kinda desparate. The engine blew on my 2003 Explorer. Needless to say more to fix it than it is worth,. We have a 95 Ford F150 at the shop NOW $810 for a new gas tank and over 150,000 miles Here is what I know of my credit. TU: 617 EQ 647 Not sure how many "baddies" remain but most of them drop off in 2014 (1) active credit account, almost maxed only $300 secured with Public Savings, now open sky Student Loans in deferment, over $14000.00 Been with same company for over 1 1/2 years but was under a temp group until Feb. So only on Company's payroll since Feb. Income is before taxes $2,320.00. This is for 40 weeks. We generally have 1-5 hours of mandatory OT. Starting next month I will be receiving incentives as well. I don't want to apply a lot of different places pulling my credit. I rented a car from enterprise and they were telling me they sell cars UNDER Kelly blue book but they want to run my credit before they show me what is available. HUGE turn off for me. I live in the boonies and would ike to get something 4 wheel drive if possible. About 8 years ago, credit was worse, income less. Cap one approved me for $16000.00 but that was a long time ago. Any thoughts?

I myself am not ready for new credit but I have a daughter and niece with no credit. They have applied a few places and keep getting turned down. They are looking for something unsecured and trying to build credit. I thought I read ( while searching the other day) that there were places where "pre approved" most likely would pop up. Do these seem to get approved more often?

Thank you , snowpuppy. I am registered with the unemployment office. I will wait until sept 1st and contact Great Lakes. I didn't get the job I wanted...lol This is so DEPRESSING! Thanks again for all the help!!!

LOL! Thank you both for the help! Sorry it took so long to post my "Thank you". My only other questions are: If my payment is due 9/20 when should I asked GL for the unemployment deferrment becausea lot could happen by then? I interviewed for a job this week that I would love to have for the learning opps it overs. However it is 0-40 hours a week...Though I would average about 12-20 hours. Is there any plan for me, if I would get this because at 12-20 hours a week ( and some weeks none) I could not afford the pyament they have set for me. I need to be available for all possible hours/days so I couldn't even get a 2nd job to help out. Ranger: I don't mind apply for anything at this point. I am proud of my certification but more proud of my family and just want to be able to put food on the table.

THANKS Snowpuppy!! I do have some questions: You say the "government will keep paying the interest" do I have to pay that back eventually? When you say "up to 3 years" does that mean I can defer for up to 12 months 3 times? I remember when I applied I was told "you get ONE 6 month grace period". Is this different than a "grace period" So you think great lakes s an okay way to go? I ran the calculator at DL and the only way it seemed to help lower my payment was with the standard pay or the income contingent and witht hat I would be paying for 265 months. How will any of this efect my fico? Right now the loan is showing as "paid as agreed" but also shows as "student loan, payment deffered". When it comes out of deffered will up my scores any? I had NO idea my payments would be so high...I only owe total, under 13000.00. Since I am not working I thought of going back to school but I am afraid that if I did....I wouldn't be able to afford the payment on all of it. Any suggestions?

Is direct loans an option? NOW the schoool I went too has everyone going through direct loans. I had a choice between several lenders and I don't recall direct loans being one. Thanks for the reply, help and wishes of luck,

My grace period ends 8-16 and my first payment is due 9/20. I already have very low fico scores because of credit woes and have much work to do to fix it...and fixing that is a goal I have. I don't want to add to the problems. I was told that my loans , would be consoladated but I recieved two letters from Great Lakes ( don't understand this loan stuff but I chose Discover as my lender) I was told one loan would be subsidized and one would be unsubbed but my letters show both, on both and both say they are "stafford Loans" Letter one: Today's todal Over $9,4xx.xx Estimated payment: $107.09 Graduated or Income Sensitive Repayment: 40 pymts $49.97, 80 pymts $145.99 Letter two: Today's todal Over $2,xxx.xx Estimated payment: $50.00 Graduated or Income Sensitive Repayment: 40 pymts $30.00, 55 pymts $50.00 I graduated in Feb and ONLY found a 7 week temporary job that has ended. I currently have NO income. Really puts a damper on how proud I felt at 39, graduating with honors after only successfully completing the 8th grade and being the FIRST person in my class to take the certification exam and passing with a 93 ( only needed a 70). What are my options? I was hoping having this loan would help me rebuild my credit since I couldn't get credit any where and now one of my biggest accomplishments may just spell more credit problems for me.