Hello, my name is Tonya and i just registered with u all about a week or two ago and i think im ready to strt wk on my credit, but i first wnt to tell you about my credit and and get some good, sound,experienced advice before i mess anything up. So heres my story: I am 23yrs old and i am roughly $35,000 in the hole. $14,766 is an installment loan on a 05 chevy malibu w/ 18% interest which leaves about $20,234 in cc and collection debt. As far as the cc's are concerned i paid them on time when they were due and i paid the minimum, but in August 07 i lost my job and was unable to keep up with them for 4mnths. I was rehired in December 07 but i didnt sign up for any of the credit protection offers so i defaulted on about 9 cc's. When i strtd bck wking my pay was reduced and it was hard for me to try to catch up with all of the back pymnts and the upcoming pymnts so 2 of my CC accts were charged off and the others i enrolled in different payment programs but the accts were still closed by the credit grantor. i have only one acct that is open and in good standings and that is Hooters with a limit of $500 but a balance of $478. The nine accts i have are marked late on my CR upto 120+ days. the accts i have are as follows:
Wamu:$3000 limit w/$5782 owed. i have a pymnt plan which is drafted out of my checking acct every month for $148.
Citi:$2000 limit w/$3693 owed. 5yr. pymnt plan w/$87 drafted mnthly.
Hooters:$500 limit w/$478 balance. pay mnthly pymnt of $25-50. still open.
Creditone bank:$200 limitw/$220 owed. closed but pay minimum evry mnth.
Continental Finance:$500 limit w/ aout $950 owed-charged off.
Cortrust Bank:$750 limit W/about $954 owed. charged off.
Orchard Bank:$250 limit w/$120 owed. will pay off this month.
Total Visa:$200 limit w/$300 owed- pymnt plan of $35 mnthly.
Salute Visa:$750 limit w/$0 owed because of match pay program.
Americredit:$14,766 w/ $346.32 paid mnthly.
HSBC TAX:$420(collection/charge off)
Meadows Southwest(apt complex):$2793 Assigned:8/01/2005 Reported:6/01/2008 Last active:5/01/2005
DirecTv:$451 Assigned:7/01/2007 Reported:5/01/2008 Last active:2/01/2005
Dishnetwork:$115 Assigned:3/012008 Reported:3/012008 Last active:12/01/2007
Most Funding 2(i dnt knw who they are):$412 Assigned:3/01/2008 Reported:4/01/2008 Last active:8/01/2005
At&t:$286 Assigned:3/01/2006 Reported:12/01/2007 Last active:9/01/2003
At&t:$455 Opened:5/2008 Reported:6/27/2008
Rewards 660:$300 limit w/$400 owed. Opened:5/13/2005 Reported:10/01/2005(cancelled by grantor)
Quick Payday(dnt knw who they are):$400 Opened:4/2008 Reported:6/15/2008
Wachovia bank(savings):$159 Opened:12/01/2007 Reported:5/31/2008
Wachovia Bank(chcking):$457 Opened:12/2007 Reported:5/31/08
West Houston medical cnter:$1748 Opened:10/17/2004 Reported:8/01/2006
Time warner:$456 Opened:10/17/2003 Reported:4/09/2004
Now as far as the cc's are concerned, is there something i can do to get them to remove the late payments off of my CR? Most of them are showing 120+ days late.
I have about 46 inquiries in the past 2 years where two should have come off already and about 7 or 8 more are due to come off by the end of this month. can some one please help me?! I would like to purchase a house and also i am preparing to open a womens retail store and i really wnt my beacon score to be at 700-750 by October or november of this year, is that impossible? I would like to be able to just go in a place for credit with no worries of "Denied" coming back to e as a response. i am married and have been for 7yrs now and i had my first child in august of 06 and my husbands credit i sextremely bad and i feel if we are to get in the place i would like us to be in, i have to do something because my husband does enough already. He is a car salesman and he works 11-12 hrs a day to pay our bills. its my time now and i knw God has more in store for us and that He can do all things but i also know we have to give Him something to work with!!! I appreciate all responses and thank you in advance!!!