Where to begin...

[Poor_Credit]

I am so lost with this complicated stuff that I don't know where to start.

I hope that someone can help me.

First off, I live in MS

This is what is on my credit report..I don't know when this stuff will fall off my credit..

AFNI-BLOOM $1205.00 REPORTED: 04/2004; Last activity:02/2002 (Cellphone)

Cingular $1205.00 Reported: 04/2007 (Same bill, Cellphone)

No Name to find out who I owe this to: $600.00 Reported 05/2002 Last activity: 04/2001

Midsouth $253.00 Reported 08/05 Last Activity 07/2003 (Medical Bill)

Midland $204.00 Reported 02/2007 (Home Phone)

Midland $203.00 Reported 12/2006 Last Activity 03/2004 (same bill!)

SBC Northern $203.00 Reported 12/2004 Last Activity 06/2004 (same bill again!)

ADV Recovery $150.00 Reported 01/2007 Last Activity 11/2004 (Medical Bill)

MS Valley Gas $144.00 Reported 12/2002 (Utilities, left for me to pay by Ex-husband)

NCO Financial $127.00 Reported 02/2007 Last Activity 12/2004 (Medical Bill)

Mid South $98.00 Reported 02/2007 Last Activity 06/2002 (Medical)

Mid South $95.00 Reported on 09/04 Last Activity 03/2003 (Medical)

America's Recovery $88.00 Reported on 01/2007 Last Activity 08/2001 (Ok, this is where a returned check bounced but was sent through again and it cleared the bank but this is what they charged for the returned check, I had no clue that I was even charged this?? Don't know what to do about this one aside from paying it??? On my credit it says bad check)

Delta $68.00 Reported on 06/2003 (Medical I assume? I don't know)

I got my credit report and credit score from Transunion --- It said that my credit score was 590 - 598 - 604

In the past three years I have never been late on any car payment and also piggy back with husbands credit cards - I managed to get a $300.00 credit card and it is paid off monthly...

We were looking into buying a house but the lender from Churchhill Mortgage wants us to pay off this debt --- that's fine I can do that but from what I am understanding here don't do it it will hurt my credit even more..........

I'm just at a loss as to what to do first........... Some of this stuff only shows up on TU and EQ not all three. I've paid off about 2000$ dollars and they show paid in collection or paid as agreed.............. Please help!

[whocares]

I would be wondering where to start too....

your scores don't look as bad as they could, so you can only get better....

try to get some of the oldest stuff removed first, it will be easiest...

as for the one with no name, I'd request DV on that one first. It should be falling off your report soon anyway

ANFI from what I read will try and sue you...so tread lightly around that one

I had good luck deleting NCO

I would plead ex hubbys debt as not mine.

[Poor_Credit]

No I haven't disputed anything, yet... Again I don't have a problem paying it but with the SOL I don't know which ones I should pay...

I think that the SOL in MS is:

3 years open accts

3 years Written Contract

6 Years UCC

Domestic Judgement 7 years

I don't know the difference and what applies to what?

The utility one was in my name but my ex live there while we were going through a divorce and with the kids I didn't want them to have any heat while they were visiting.. I know... I should have paid it but it was a struggle then... or at least he should have paid it.. but anyways! thanks for your help I will keep reading

[Poor_Credit]

Also, the AFNI one offered to settle with 600$ but should I pay it with the agreement that it will be deleted? Or just take it and run?

What date do you go by with the SOL because there is a reported date and last activity?

Thanks so much.

[chilton1]

This is how I would approach the negatives if they were on my report.

I am so lost with this complicated stuff that I don't know where to start.

I hope that someone can help me.

First off, I live in MS

This is what is on my credit report..I don't know when this stuff will fall off my credit..

Double check the States SOL laws. On this site it says 3 years across on all. See link. The SOL is a defense you can use if you are sue and you show up in court. Note: You can still be sued. http://www.acollectionagency.com/statuteoflimitations/mississippi.php

AFNI-BLOOM $1205.00 REPORTED: 04/2004; Last activity:02/2002 (Cellphone)

Cingular $1205.00 Reported: 04/2007 (Same bill, Cellphone)

The SOL as passed on this one. Send a DV to AFNI and when they sign the green card dispute with the credit bureau.

No Name to find out who I owe this to: $600.00 Reported 05/2002 Last activity: 04/2001

Dispute with CRA.

Midsouth $253.00 Reported 08/05 Last Activity 07/2003 (Medical Bill)

Midland $204.00 Reported 02/2007 (Home Phone)

Midland $203.00 Reported 12/2006 Last Activity 03/2004 (same bill!)

I dont know if these are pass the SOL. However, these are relatively small amounts. I would send a DV to Midland and dispute with the CRA. At least if they send you verification you can settle for Pay for delete.

SBC Northern $203.00 Reported 12/2004 Last Activity 06/2004 (same bill again!)

I would just dispute with the CRA they may have sold the debt to Midland so this one should just fall off when you dispute.

ADV Recovery $150.00 Reported 01/2007 Last Activity 11/2004 (Medical Bill)

DV ADV Recovery and dispute with CRA.

MS Valley Gas $144.00 Reported 12/2002 (Utilities, left for me to pay by Ex-husband)

you may want to call them and try to get a pay for delete.

NCO Financial $127.00 Reported 02/2007 Last Activity 12/2004 (Medical Bill)

Mid South $98.00 Reported 02/2007 Last Activity 06/2002 (Medical)

Mid South $95.00 Reported on 09/04 Last Activity 03/2003 (Medical)

DV NCO and Mid south (If midsouth is a CA) and dispute with the CRA

America's Recovery $88.00 Reported on 01/2007 Last Activity 08/2001 (Ok, this is where a returned check bounced but was sent through again and it cleared the bank but this is what they charged for the returned check, I had no clue that I was even charged this?? Don't know what to do about this one aside from paying it??? On my credit it says bad check)

Send DV to American Recovery

Delta $68.00 Reported on 06/2003 (Medical I assume? I don't know)

DV Delta if they are a CA if OC try to get Pay for delete.

I got my credit report and credit score from Transunion --- It said that my credit score was 590 - 598 - 604

these are FAKO scores.

In the past three years I have never been late on any car payment and also piggy back with husbands credit cards - I managed to get a $300.00 credit card and it is paid off monthly...

We were looking into buying a house but the lender from Churchhill Mortgage wants us to pay off this debt --- that's fine I can do that but from what I am understanding here don't do it it will hurt my credit even more..........

I'm just at a loss as to what to do first........... Some of this stuff only shows up on TU and EQ not all three. I've paid off about 2000$ dollars and they show paid in collection or paid as agreed.............. Please help!

Paid collection are not good they are still collection accounts. Try to see if you can get them to remove the paid collections.

[chilton1]

Also, the AFNI one offered to settle with 600$ but should I pay it with the agreement that it will be deleted? Or just take it and run?

What date do you go by with the SOL because there is a reported date and last activity?

Thanks so much.

DOFD.

The reported date is when they reported to the CRA

Last activity is when they may have bought the account.

In terms of when it will fall off your credit report it is 7 to 7.5 years for the last time you paid on the account which is the Date of First Deliquency (DOFD).

Read the stickies on the forum especially how to work with medical collections. read, read, read,