Shubunkin Posted January 27, 2008 Report Share Posted January 27, 2008 Hello all, new guy here. I believe I am a little late jumping into the game but I'm reading everything I can here and am excited about trying to repair my credit.My Sob story:I bought a house 5 years ago and quickly realized I had over extended myself. In an effort to try and ease my financial burdens, I signed up with a company called "Credit Solutions of America." The plan was to let all of my CC accounts go delinquent, save the money I would have otherwise paid toward the CCs and then after a set time negotiate with the OCs for a lower pay off rate in exchange for removing any negative TLs from my credit report.Long story short, I never came up with the money to pay off the accounts and now have 4 charged off accounts on my credit report. About 2-3 years ago I received summons for at least two of the accounts and I have paperwork showing an arbitration judgment from NAF for one of the CCs I received a summons on. However, I only have one judgment listed against me on my CR.I am afraid that If I start disputing with the CRAs regarding one of these accounts that they may research and find that I have judgements not listed on my CR. I may do more harm then good.Is there a way to find out what judgements I have against me so I know which TLs to dispute? I suspect I have more than that one.Thanks in advance. Link to comment Share on other sites More sharing options...
whocares Posted January 27, 2008 Report Share Posted January 27, 2008 Welcome to the forum, try pulling a choice point report they should have everything listed there..good luck Link to comment Share on other sites More sharing options...
Hellard Posted January 27, 2008 Report Share Posted January 27, 2008 maybe pacer.com would show? Link to comment Share on other sites More sharing options...
Shubunkin Posted January 28, 2008 Author Report Share Posted January 28, 2008 Thanks for pointing me in the right direction. I am filling out the paperwork to request a Choice Point report now and will check out pacer.com right after.In the meanwhile I have a few accounts that were closed in good standing but have 3-4 late payments each. I assume I can safely dispute those in the meantime . Link to comment Share on other sites More sharing options...
flacorps Posted January 28, 2008 Report Share Posted January 28, 2008 Pacer is federal only. Check your county court and clerk/recorder's websites. Link to comment Share on other sites More sharing options...
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