[theoneuafter]

Where to begin?
I just recieved my free credit reports that are allowed yearly, I have yet to recieve my reports directly from each CRA, so as of now I am working with these. I do not know my credit score.

I'm 33yrs old, This debt was incurred in New York State, HOWEVER I just moved to New Jersey This Past October.
Here Goes;

I'm starting with Equifax.

4 negatives
1 Collections
1 Judgement
1 Public record

1st Neg.
Utility Company
Individual Acct.
Date opened: 07/2003
Date reported: 12/2007
Last payment: 9/2003
Major delinq 1st reported: 3/2004
Balance: $1,560
Past due: 1,560
Acct. Status: charge off
Credit limit: $0
Months reviewed: 29
Type of Acct: Open



2nd Neg.
Individual Acct.
Date opened: 9/2003
Date reported: 9/2006
Last payment: 1/2005
Major delinq 1st reported: 9/2006
Balance: $0
Past due:$0
Acct. Status: charge off
Credit limit: $0
Months reviewed: 34
Type of Acct: Installment
Secured Loan
Charge off amount: $3907



3rd Neg.
Verizon Wirreless
Individual Acct.
Date opened: 7/1994
Date reported: 11/2007
Last payment: 1/2002
Major delinq 1st reported: 7/2006
Balance: $682
Past due: $682
Acct. Status: charge off
Credit limit: $0
Months reviewed: 16
Type of Acct: Open
DISPUTED ONLINE



4th Neg.
Verizon Wirreless
Individual Acct.
Date opened: N/A
Date reported: 6/2006
Last payment: 1/2002
Major delinq 1st reported: 11/2003
Balance: $682
Past due: $682
Acct. Status: charge off
Credit limit: $0
Months reviewed: 11
Type of Acct: Open
DISPUTED ONLINE: This is the same as #3 Different acct. #'s though, but same exact amout???? Can one place have 2 neg's for same past due bill?


Collections:
1st
Individual Acct.
Date Reported: 12/2007
Date Assigned: 12/2004
Orig Amount Owed: $152
1st Delinquency: 5/2003
Balance Date: 12/2007
Balance owed: $152
Status Date: 12/2007
Status: D-Unpaid
Comments: Medical



2nd
Individual Acct.
Date Reported: 12/2007
Date Assigned: 12/2004
Orig Amount Owed: $165
1st Delinquency: 5/2003
Balance Date: 12/2007
Balance owed: $165
Status Date: 12/2007
Status: D-Unpaid
Comments: Medical



3rd
Collection gency
Individual Acct.
Creditor Class: Retail
Date Reported: 10/2007
Date Assigned: 12/2003
Orig Amount Owed: $638
1st Delinquency: 9/2003
Balance Date: 10/2007
Balance owed: $638
Status Date: 10/2007
Status: D-Unpaid
Comments: N/A

JUDGEMENT:
Date Filed: 9/2002
Case#: 12324abcd
Court Name: Space is Blank
Court Address: New York
Plaintiff: Portfolio Recovery SVC
Defendant: Me =)
Amount: $4085.00
Date Reported: N/A
Status: N/A Space is Blank
Verified Date: Space is blank
Comments: None

I have no Bankruptcies
What should be my first step here? I disputed some of that online, I read here not to dispute all at once, but half at a time.
I started that.

Do I have to send disputes for each account to all CRA's?

I have a secured Card on the way, I currently do not have any Credit cards. I havent had a Credit card in over 10yrs.

What credit Monitoring Service would be the best one for my situation?? I think I would need to be able to view/print my report and score almost weekly to ensure progress.

I work full time and make descent money now and am very anxious to get the ball rolling to better credit. As you can see, I made ALOT of terrible choices with my credit and really want to fix it properly. I am in no way trying to avoid paying anything. I am looking to be able to pay it off properly and as beneficially as possible for my score.

Also I will be posting the process along the way, for people that are in my position too, Mabey besides fixing my own credit, I can help somone with credit as bad as mine see that it can be fixed =)


Thank you in advance to those who can help advise me, I really appreciate it.

[jlynn]

Originally Posted by theoneuafter

2nd Neg.
Individual Acct.
Date opened: 9/2003
Date reported: 9/2006
Last payment: 1/2005
Major delinq 1st reported: 9/2006
Balance: $0
Past due:$0
Acct. Status: charge off
Credit limit: $0
Months reviewed: 34
Type of Acct: Installment
Secured Loan
Charge off amount: $3907

I would argue that if there is no balance due, nor a past due amount, then it could not be a charge off. Was this account really an installment loan?

3rd Neg.
Verizon Wirreless
Individual Acct.
Date opened: 7/1994
Date reported: 11/2007
Last payment: 1/2002
Major delinq 1st reported: 7/2006
Balance: $682
Past due: $682
Acct. Status: charge off
Credit limit: $0
Months reviewed: 16
Type of Acct: Open
DISPUTED ONLINE



4th Neg.
Verizon Wirreless
Individual Acct.
Date opened: N/A
Date reported: 6/2006
Last payment: 1/2002
Major delinq 1st reported: 11/2003
Balance: $682
Past due: $682
Acct. Status: charge off
Credit limit: $0
Months reviewed: 11
Type of Acct: Open
DISPUTED ONLINE: This is the same as #3 Different acct. #'s though, but same exact amout???? Can one place have 2 neg's for same past due bill?

Dispute 3 and 4 as duplicates.

Collections:
1st
Individual Acct.
Date Reported: 12/2007
Date Assigned: 12/2004
Orig Amount Owed: $152
1st Delinquency: 5/2003
Balance Date: 12/2007
Balance owed: $152
Status Date: 12/2007
Status: D-Unpaid
Comments: Medical



2nd
Individual Acct.
Date Reported: 12/2007
Date Assigned: 12/2004
Orig Amount Owed: $165
1st Delinquency: 5/2003
Balance Date: 12/2007
Balance owed: $165
Status Date: 12/2007
Status: D-Unpaid
Comments: Medical

Since this is an Equifax report, are these two tradelines in the Collections section of your report?

JUDGEMENT:
Date Filed: 9/2002
Case#: 12324abcd
Court Name: Space is Blank
Court Address: New York
Plaintiff: Portfolio Recovery SVC
Defendant: Me =)
Amount: $4085.00
Date Reported: N/A
Status: N/A Space is Blank
Verified Date: Space is blank
Comments: None

You dispute this as failing to report completeand accurate information. List each individual data field that is missing information.

Do I have to send disputes for each account to all CRA's?

If an account is reporting on all 3 CRAs, you will need to dispute each directly with each CRA.

What credit Monitoring Service would be the best one for my situation?? I think I would need to be able to view/print my report and score almost weekly to ensure progress.

People seem to have good luck with truecredit.com . Please note that the scores are FAKOs not FICOs. While they are good for gauging your progress, they are not "real".

I work full time and make descent money now and am very anxious to get the ball rolling to better credit. As you can see, I made ALOT of terrible choices with my credit and really want to fix it properly. I am in no way trying to avoid paying anything. I am looking to be able to pay it off properly and as beneficially as possible for my score.

Alot of this stuff is very old. I suspect while trying to dispute these, you need to reestablish credit (which the secured card will help with). Expect to see a score fall when your new TL's first begin reporting. It will take some time...be patient.

[theoneuafter]

I am wating for one secured card to arrive and will be geting another one following that using the 30-35% rule I read about here.

I would argue that if there is no balance due, nor a past due amount, then it could not be a charge off. Was this account really an installment loan?

Good point there I will try that.

Dispute 3 and 4 as duplicates.

Those I disputed online already, I think I should have waited to do so but, live and learn.

Since this is an Equifax report, are these two tradelines in the Collections section of your report?

Yes they are.

You dispute this as failing to report completeand accurate information. List each individual data field that is missing information.

I was wondering if that mattered or not. Hmmm

Thanks for the reply. I know good credit will not come overnight, just want to start the process =)

Thanks for your input! More is certainly welcome!