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  1. Thank you guys for your kind words and thanks- I will pass them on to my hubby I have NO good credit in my name, I have never had a credit card or line of credit. What I do have is bad- most of it is rolling off, or I am working on getting it paid off/removed. What I need is any kind of GOOD credit in MY name. I am considering taking a small personal loan with my Dad as cosigner. THat still works, right?
  2. I am a SAHM, my husband is a disabled vet- his income comes from the VA, ad he is working on building his credit with two low limit Capital One cards and a store card- We are currently in the position where I can get a secured card in an attempt to raise my personal credit, but is that even possible with no income? If it is, which one would you recommend going with?
  3. I've done the opt out, but I have a couple of questions about the next step. include a copy of your drivers license, a copy of your SS card and a copy of a recent utility bill as proof of your identity and correct address. I do not have a utility bill in my name, everything is in my husband's name.
  4. Thank yo for your response- I only meant there are a couple of things on my report that I WILL dispute, I have not yet.
  5. I am so overwhelmed. http://creditboards.com/forums/index.php?showtopic=533733&hl= I was sent this direction to post in medical- and I am attempting to start the process for the medical bills, but have so many questions! DO I have to opt out? What does it mean I am opting out of insurance also? My credit report came up with my maiden name (Been married 4+ years) does that matter? Do I opt out under my maiden name or my married name? Also, for verification, I have a couple of disputes on my credit report, I am not supposed to even look at those until I clear up the medical ones, right?
  6. I am SO not paying Comcast a dime- I paid that account down to zero and canceled my service- I am going to go through all my old records and see if I have it, but I doubt it since it's for a previous address and we've been here over 4 years. Thank you for the starting place Thank ALL of you for your advice and input!
  7. Equifax now has a time limit as to how long you can view their site- that might have been helpful to know BEFORE the session timed out I got the list of collections, but I was going back to verify addresses, etc- Also not sure how I would tell if they are beyond the SOL? As far as when they fall off, was it supposed to say that on the list? I just added 7 years to everything... also, can someone link me to WhyChat's medical collection post I can't seem to find it... Here's the naughty list H P SEARS CO INC Creditor Name: WESTERN DENTAL SERVICES INC Date of 1 st Delinquency: 02/2008 FALL OFF 2/2015 Balance Owned: $1,661 Medical (** I would like to note the original visit was in 2007, and due to the threat of a malpractice suit they agreed to drop all fees- they did not report this until 2010.) H P SEARS CO INC Creditor Name: WESTERN DENTAL SERVICES INC Date of 1 st Delinquency: 02/2008 FALL OFF 2/2015 Balance Owned: $1,579 Medical **DUPLICATE - original bill is exactly the same- two different fees- CAL COAST CREDIT SERVICE Date of 1 st Delinquency: 01/2010 FALL OFF 1/2017 Balance Owned: $8,995 (** Rental situation) NORTHEAST CREDIT & COLLECT Date of 1 st Delinquency: 06/2010 FALL OFF 6/2017 Balance Owned: $218 Medical NORTHEAST CREDIT & COLLECT Date of 1 st Delinquency: 07/2010 FALL OFF 7/2017 Balance Owned: $137 Medical ARS ACCOUNT RESOLUTION Date of 1 st Delinquency: 05/2010 FALL OFF 5/2017 Balance Owned: $206 Medical ARS ACCOUNT RESOLUTION Date of 1 st Delinquency: 03/2009 FALL OFF 3/2016 Balance Owned: $124 Medical FRESNO CREDIT BUREAU Date of 1 st Delinquency: 07/2010 FALL OFF 7/2017 Balance Owned: $223 Medical STELLAR RECOVERY INC Creditor Name: COMCAST Date of 1 st Delinquency: 01/2012 FALL OFF 1/2019 Balance Owned: $174 **I ave to dig through OLD records, but A. This was cleared to a 0 balance and B. I canceled my comcast in July of 2009, so not sure WTF they mean 1st delinquency is in 2012? ***Ps- I hate COMCAST. CALIFORNIA SERVICE BUREAU Date of 1 st Delinquency: 05/2009 FALL OFF 5/2016 Balance Owned: $456 Medical CALIFORNIA SERVICE BUREAU Date of 1 st Delinquency: 05/2009 FALL OFF 5/2016 Balance Owned: $1,173 Medical
  8. Wow- I had no idea paying a debt could NEGATIVELY affect your score! What a crock! Ok- I'm going to go read WhyChat's thing and think about this posting my list- still not sure, there...
  9. Ummmm, if someone would like to PM with me regarding this, I will share that info- I'm just not comfortable posting all that on a public forum. Is there a reason I should not pay them off? I thought it looked better if you paid them rather then lett them roll?
  10. It's a savings account. Well, I don't have $500 to put in a savings account, then LOL Ok, I ran my credit and my credit score is NOT included in the free annual report- so that was a bunch of hooey. I do not have the $8 to buy my score at this time. :/ It does say I have 4 negative accounts- 3 of which total $28 dollars (And honestly I was completely unaware of them) and I will pay those off next month when I have the $- (And maybe get my score then?) I also have 11 collection accounts 9 of which are medical, 2 of those are duplicates? (How does that work?) 4 of them are low enough I can pay them off in the next year or so - One of the non-medical is complete Geronimo and I have to dig out records for the cable company we had 5 + years ago to show my end balance was ZERO- the other is a very unfortunate circumstance where I got saddled with the entire financial obligation for a house I rented with (SERIOUSLY) 18 other people-( The house was trashed when we moved in but we made the mistake of not documenting. The rental company applied the entire debt to me because I was the oy one on the lease for the entire 3 years- the other 17 were a rotating group of 3-4 at a time), there's really nothing I can do about that one I don't think. 2 things roll off in February, 3 in June- the rest are the following year and the year after (So 2016 and 2017) IF I can't get them paid (Which all but the two I plan on paying off!) Not sure why I got a credit application returned for insufficient credit history, though- there's PLENTY on there :/ Totally discouraged now- but at least I see a light at the end of it all- it's just way farther away than I first thought.
  11. "I know what you're saying about coming up with a deposit to "buy" a secured card, but if you continue to live at your financial means and not below, that can spell disaster for your credit as well as your finances" Absolutely comes off as chastising.
  12. Thank you @NewbietoFinance I will check that out I've typed out about 9 different responses and deleted them for being snarky. But here's the thing. Sometimes people have no other option than to live that way. We are doing the best we can and attempting to rebuild our credit so that when there finally is a light at the end of this situational tunnel, we will have something to build on and move forward. Any credit cards or loans we have right now will be used for the sole purpose of rebuilding or credit and not deepening the hole. Please do not make assumptions.
  13. I will get my reports- just have to have the $ to do it- I was reading online that one way to rebuild is to have someone with very good credit co-sign a small loan with you- would this actually go towards my own credit?
  14. And yes, it is "Buying" a secured card- just one you get a full refund on farther down the road- but that money is gone and no longer accessible money for my family. We are a low-income family of 5, so I just don't have $500 to spare.

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