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Posted by new to this (65.122.209.37) on July 30, 2004 at 02:09:34:

I found this site the other day and it seems to me you guys are pretty knowledgable about this stuff so here goes

I just got a look at my credit report for the first time and am VERY confused.

This is what it says
Total Accounts
Count: 33
Balance: $58,999
Current: 28
Delinquent: 3
Other: 2

Now, 9 of these are student loans which figure for $30,713 of the total balance. The others are credit cards that total $28, 286. However, it also says on the bottom - open: 23 Closed:10 The 10 closed accounts though all show as current accounts in other places. Why?

Now for my main question. What do these people consider current? In all but 3 of my active accounts I am behind in the payments. I have been sending a little bit every month but they keep calling to tell me I am behind, and then on my report they say I am current. Is it current even if you only pay $5 of the $50 they wanted?

Could that be what is ticking off the CA for the three delinquent accounts? These 3 were all charged off in May or June of 2004, so only about a month or so ago. The CA for one of the accounts has already filed arbitration papers. I thought that was awfully fast but if I looked at my credit report (they did right?) and saw 28 current accounts I quess I'd be ticked too. But the accounts aren't really current. Do I tell the CA that and hope they understand?

Sorry for the length but I need help.


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