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The last post in this topic was posted 2944 days ago. 

 

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So I am completely new to this forum, I have read over WhyChats page and before I started on his program, I just wanted to make sure his guidelines are for my situation. I am just stressed that some of these creditors are going to try and take me to court for this when I go and try to dig up dirt and disputing some of this.

 

I am 24 and I have another baby on the way so my husband and I are trying to get into a home, but of course we have to fix our credit first.

 

Here is what my credit is looking like:

TransUnion:

Capital One Opened 9/12/2010 Last payment made 08/27/2013 Original ChargeOff $683 Status Charged Off. (Credit Card)

Verizon Date Opened 2/18/2009 Payment Received $0 Original ChargeOff $765 Status Charged Off

Wells Fargo Opened 6/20/2010 Last payment made 8/26/2013 ChargeOff $589 Status Charged Off (Credit Card)

Central Finance Control Placed for collection 12/5/2013 Balance $151(Medical)

Central Finance Control Placed for collection 2/20/13 Balance $1,222(Medical)

CMI Placed for collection 12/22/2013 Balance $504(Medical)

Security Collection Placed for collection 7/3/2013 Balance $100(Medical)

Stern and Associates Placed for collection 4/15/2013 Balance $75(Medical)

 

Experian:

Amerifinancial Solutions 5/2014 $893 (Medical)

Capital One (same as above)

Central Financial Control (Same as above) $1,222 (Medical)

Central Financial Control (Same as above) $151 (Medical)

Credit Management Opened 12/2013 $504 Collections (Time Warner)

Enhanced Recovery Corporation 9/20213 $628 (Comcast) - I have disputed this one several times because I never had them, it disappears then 5 or 6 months later shows back up

Kross/Lieberman & Stone 1/2013 $243 (Medical)

Stern and Associates (Same as above) $ 75 (Medical)

Verizon (Same as above) $765

Wells Fargo (Same as above) $589 (Credit Card)

 

I do have two car loans that are in good standings on all 3 credit reports, one has been open 2 years with no missed or late payments and the other 1 year with no missed or late payments so they are somewhat working in my favor to help rebuild my credit :)

 

 

 

Do I start with having my old address removed and then continuing the rest of WhyChat's process, or should I just not stir anything and pray no one takes me to court?! Sorry for the long post, just a bit confused on what path I should take to get started on.

 

 

 

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Credit Management Opened 12/2013 $504 Collections (Time Warner)

 

 

Sent a DV to CMI, (time warner co) they will fold immediately. Have gotten them off my report and someone else s, after the first letter sent, send it CMRR. Are they also reporting a medical for you (credit management is same comapny as CMI) You have it listed like this above:

 

CMI Placed for collection 12/22/2013 Balance $504(Medical)

Credit Management Opened 12/2013 $504 Collections (Time Warner)

Maybe just a typo on your end.

 

I am following your thread/progress. Mainly to see if anyone has advice on dealing with Wells Fargo, I have 2 charge offs from them and don't see much advice regarding that OC on the forumns. Good Luck to you, I have had numerous things removed within the last 30 days of starting this myself, but still have a long way to go too.

Edited by graymidday
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Credit Management Opened 12/2013 $504 Collections (Time Warner)

 

 

Sent a DV to CMI, (time warner co) they will fold immediately. Have gotten them off my report and someone else s, after the first letter sent, send it CMRR. Are they also reporting a medical for you (credit management is same comapny as CMI) You have it listed like this above:

 

CMI Placed for collection 12/22/2013 Balance $504(Medical)

Credit Management Opened 12/2013 $504 Collections (Time Warner)

Maybe just a typo on your end.

 

I am following your thread/progress. Mainly to see if anyone has advice on dealing with Wells Fargo, I have 2 charge offs from them and don't see much advice regarding that OC on the forumns. Good Luck to you, I have had numerous things removed within the last 30 days of starting this myself, but still have a long way to go too.

 

That was a typo on my behalf. I have posted this into the medical forum. I haven't tried validating anything or disputing anything other than the Comcast which shows the account was setup at my mother-in-laws home that I stayed at for a year in Seattle. She already had service there so how did I end up with a bill of collections for it?

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