nc6462

Thank you all for your comments. I will schedule a consultation and dig through my bank records to find out when last CC bill was paid. Thank you

Thanks for your reply. I moved to VA in June 2017. I was in college 2011-2015. It is possible that 3 years passed in South Carolina before I moved the VA.

Hey everyone, I am looking for guidance on next steps. I opened my first credit card living in South Carolina with Capital One in college, it had a $10,000 limit (I'm not sure how, I knew nothing about money) and maxed it out and forgot about it. I can't remember when I started receiving calls and letters about collections, but eventually I told my mom about the debt and she suggested I ask for a hardship thing which I did. Interest and late fees stopped, and again I forgot about/ignored the debt. I checked my credit score a couple months ago and saw that it had jumped like 300 points overnigh