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i would like some opinions on what to do


sshatzer22
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ok, to start, when i was 18 and first able to obtain credit, i did, not knowing at all what i was doing. i never had any proper guidence on how to manage credit until recently. i'm 24 yrs old now and want to fix my majorly screwed credit! since the people on this sight seem really helpful, non judgemental, and open. i want to open upmy credit history to you and get some advice on how to go about repairing it. so here it is!

_________________________________________________________

FREDERICK CO DISTRICT CT

Status:

Civil claim judgment.

Status Details:

This item is scheduled to continue on record until Dec 2010.

This item was verified and updated on Dec 2005.

Claim Amount:

$177

Responsibility:

Individual

Date Resolved:

NA Liability Amount:

NA

(this item was paid and i have disputed many times, but to no resort)

_______________________________________________________

FREDERICK CO DISTRICT CT

Status:

Civil claim judgment.

Status Details:

This item is scheduled to continue on record until Apr 2011.

This item was verified on Oct 2004 and remained unchanged.

Claim Amount:

$2,837

Responsibility:

Individual

Date Resolved:

NA Liability Amount:

NA

_______________________________________________________

AAA COLLECTORS INC

Status:

Collection account. $62 past due as of Oct 2005.

Type:

Collection

Credit Limit:

$27

Terms:

1 Months High Balance:

NA

Monthly Payment:

$0 Recent Balance:

$62

Responsibility:

Individual Recent Payment:

$0

________________________________________________________

CBF-BUS SOL-COLL

Status:

Collection account. $55 past due as of Dec 2005.

Type:

Collection

Credit Limit:

$55

Terms:

1 Months High Balance:

NA

Monthly Payment:

$0 Recent Balance:

$55

Responsibility:

Individual Recent Payment:

$0

_______________________________________________________

HECHTS

Status:

Paid in settlement/Account charged off. $264 written off.

Type:

Revolving

Credit Limit:

NA

Terms:

NA High Balance:

$264

Monthly Payment:

$0 Recent Balance:

NA

Responsibility:

Individual Recent Payment:

NA

Creditor's Statement:

Account legally paid in full for less than full balance.

Account History:

Charge Off as of Aug 2001 to Jul 2004

Balance History:

07/2004 $214

06/2004 $214

05/2004 $214

04/2004 $214

03/2004 $214

02/2004 $214

01/2004 $214

Limit High Balance History:

Between Jan 2004 and Jul 2004, your credit limit/high balance was $264

_________________________________________________________

I C SYSTEM INC

Status:

Collection account. $311 past due as of Dec 2005.

Type:

Collection

Credit Limit:

$311

Your Statement:

Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)

________________________________________________________

PROVIDIAN FINANCIAL

Status:

Closed/Account charged off. $963 written off

Type:

Revolving

Credit Limit:

$500

Terms:

NA High Balance:

$963

Creditor's Statement:

Purchased by another lender.

_____________________________________________________________

VERIZON MARYLAND INC

Status:

Collection account. $542 past due as of Dec 2005.

Type:

Utility

Credit Limit:

$272

Terms:

1 Months High Balance:

$542

Your Statement:

Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)

Account History:

Collection as of Feb 2005

___________________________________________________________

AMERICAN GENERAL FINANCE

Status:

Open/Never late.

Type:

Installment

Credit Limit:

$7,626

Terms:

48 Months High Balance:

NA

Monthly Payment:

$222 Recent Balance:

$1,543

(this is a joint account w/ old roommate and she holds the payments)

_____________________________________________________________

ASPEN/FB&T

Status:

Open/Never late.

Type:

Revolving

Credit Limit:

$300

Terms:

NA High Balance:

$369

Monthly Payment:

$20 Recent Balance:

$369

(this is my attempt to have an account that is being paid on in good standings)

__________________________________________________________

this is from experian. i know there are more on equifax, but i was unable to pull that right now. any suggestions as to where to start, what i can do, etc...would be greatly appreciated!!

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I got a suggestion...

It is easier and more effective if you were to break up your question into multiple posts, especially in the appropriate forums. That way, it gives people the opportunity to look at your questions one piece at a time and give you feedback.

When you put the whole enchilada out there, it then becomes very difficult to get ALL of your questions answered.

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