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Posted by Pamk (64.72.81.16) on January 29, 2003 at 21:36:37:

Credit card #1: In good standing, never late. High balance/credit limit: $400. Date opened 2001.

Credit card #2: Owe $936 - Derogatory/collection/charge off Date opened: 6/2000, reported 12/2002

Credit card #3: Owe $776 - Date opened: 2/2000, reported 9/01
Derogatory/collection/charge off

Credit card #4: Paid in full after collection/charge off.

Credit card #4: Was derogatory but disputed and came off - closed. Balance $0.

Car loan: 30 days late 11 times/60 days late 8 times/90 days late 3 times. Condition: Open.

Car loan: 30 days late once. Paid off. Closed at consumer's request. (Totalled)

Medical Bill: $80 - Collection

Sprint PCS: Collection - Paid in full.

Credit card: Owe $776 - Condition: Derogatory. Collection.

Cable: Owe $0. Collection, paid.

I know. Very bad. What should I do besides not making anymore late payments?

Thanks for any light you can shed.


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