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By RAnwar
So when I was 18, I had a bank account with Wells Fargo for school, that my Grant went into. I was young and careless, and I spent beyond my means. Overdrafting several times. When I stopped going to school I never made another payment and now I'm stuck. I have this Wells fargo account in collections, it's been that way for 4 years, I have a Victoria's secret account that I've made a payment on in the past but can't find the information for seeing as I've moved since that's been there for 4 years as well, and as of 2013 I've got a 12k medical bill from being sent to the hospital and held there to see how I reacted. They didn't do anything at all for me or to me so I don't know why it was so much, but I didn't have insurance then, so it ended up being high. However, I just signed up for insurance, is there anyway to use that to cover the past expense? Helppp I really want to buy the house I'm currently renting but I need the credit to do so, and I'd like the opportunity to go back to school as well...I'm 21 years old now, what do I do?
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By Adams1212
Hello All,
As is said by many, this site is truly a godsend. I cannot commend you all enough for taking the time out of your schedules to assist people with rebuilding and understanding their credit. Thank you so much.
I've been reading for awhile now and thought i'd take a stab at my first post in hopes of reaffirming the direction I think i should head. I get a bit overwhelmed when trying to figure out where to start.
1.) I've opted out
2.) I've sent letters to all CRA to remove old address.
Below i've put on an excel spreadsheet the baddies on my account. I'm really hoping its possible to get some of these removed as certain searches on this site have given me less hope. I am currently in the middle of a streamline refinance of my home so I assume thats why the mortgage is listed twice below.
My question is where is the smartest place to begin after the address situation is taken care of. I was assuming i would begin by calling the collection account for Express and demand a PTD, but I'm not sure if thats the best place to start.
Theres also the credit one issue, i assume its in collections with them but I haven't received any calls.
I also have the mortgage late issue which I'm not sure how to approach. I am current now but in 2012 had a few 30 and 60 days.
Anyway, any help or direction would be great. I hope I've read up enough to post this, if not feel free to direct on something i should follow back up on. Thanks again everyone!
EQ
TU
EX
OC
PORTFOLIO RECOVERY
PORTFOLIO RECOVERY
PORTFOLIO RECOVERY
OL
WORLD FINANCIAL/ EXPRESS
WORLD FINANCIAL/ EXPRESS
WORLD FINANCIAL/ EXPRESS
BALANCE
340
340
340
ASSIGNED
6/2014
3/2014
3/2014
STATUS
COLLECTION
COLLECTION
COLLECTION
REMARKS
Not piad, but willing.
EQ
TU
EX
OC
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Eastern Acct Systems
OL
-
-
COMCAST
BALANCE
-
-
-
ASSIGNED
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12/2012
STATUS
-
-
PAID
EQ
TU
EX
OC
CARE CREDIT/ SYNCB
CARE CREDIT/ SYNCB
CARE CREDIT/ SYNCB
OPENED
12/2013
12/2013
12/2013
BALANCE
$335
$355
$355
LIMIT
$500
$500
$500
STATUS
OPEN (1 LATE 12/2013)
OPEN (1 LATE 12/2013)
OPEN (1 LATE 12/2013)
REMARKS
Made a mistake and missed by a few days last month. Up to date now.
EQ
TU
EX
OC
CREDIT ONE
CREDIT ONE
CREDIT ONE
OPENED
4/2012
4/2012
4/2012
BALANCE
$400
$400
$400
LA
6/2012
NA
NA
STATUS
CHARGE OFF
PURCHSD BY OTHER LENDER
PURCHSD BY OTHER LENDER
REMARKS
High balance of $709 only reported by TU. Others is $0. Have not paid yet but wiling to.
EQ
TU
EX
OC
COMENITY BANK/EXPRESS
COMENITY BANK/EXPRESS
COMENITY BANK/EXPRESS
OPENED
12/2011
12/2011
12/2011
BALANCE
0
$340
0
LA
3/2012
3/2012
NA
STATUS
CHARGE OFF
CHARGE OFF BAD DEBT
PURCHSD BY OTHER LENDER
REMARKS
High balance of $340 only reported by EQ &TU. EX is $0. Have not paid yet but wiling to.
EQ
TU
EX
OC
MACYS
MACYS
MACYS
OPENED
11/2009
11/2009
11/2009
BALANCE
$0
$0
$0
LA
8/2010
3/2012
NA
STATUS
PAID IN FULL FOR LESS
PAID IN FULL FOR LESS
PAID IN FULL FOR LESS
REMARKS
Paid for less than balance years ago.
EQ
TU
EX
OC
MACYS
MACYS
MACYS
OPENED
11/2009
11/2009
11/2009
BALANCE
$0
$0
$0
LA
8/2010
3/2012
NA
STATUS
PAID IN FULL FOR LESS
PAID IN FULL FOR LESS
PAID IN FULL FOR LESS
REMARKS
Paid for less than balance years ago.
EQ
TU
EX
OC
OCWEN LOAN
OCWEN LOAN
OCWEN LOAN
OPENED
2/2009
-
-
BALANCE
$132,274
-
-
LA
9/2014
-
-
STATUS
Pays as agreed
-
-
REMARKS
6 times past 60 days late
EQ
TU
EX
OC
OCWEN LOAN
OCWEN LOAN
OCWEN LOAN
OPENED
2/2009
2/2009
2/2009
BALANCE
$120,381
0
-
LA
11/2014
11/2014
11/2014
STATUS
-
TRANSFERED
TRANSFERED
REMARKS
6 times past 60 days late
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By RussInGotham
http://www.doctorofcredit.com/the-discover-it-secured-card-does-graduate-to-an-unsecured-card/
Say what you want about Discover, but this is a solid rebuilding option that starts at $200.
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By Quietman
My 350th Post!!
Final step for the DW for 2014. Approved for $13K on their 11.99% Diamond Preferred, HP on EQ.
Her Scores:
Exp : 789
TU : 798
Eq : 806
Over the last fourteen day app spree, she's scored:
AMEX EDC - $9,400 to $28,200
NFCU Flagship - $10,000
NASA Visa - $13,000
BECU - $25,000
BOA - $8,200 > $16,400
USAA - $16,000
Citi - $13,000
For a total of $104,000 in new credit!
She did apply for a second NFCU card, that's still under review.
Off to the garden till next year for some CLI requests. (I know, a lot of GIF's, just celebratin' a little , ok, a lot! )
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By Mister305
Hey Everyone. Happy holidays. Barclays gave me a credit line increase on there own for 650.00. I have had the card for 7 months. Started at 1,000. I called and asked for 10k and was declined. I have no baddies on my TU. Can I call to recon that decision? Let me know.
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