 Starting out!
Hi my name is “Dawnk” (long story behind that name) and I’m in my early 20’s. Back in 2006, I was divorced from my wife and was left with about $8,000 dollars in debt that I couldn’t pay, and I had to drawn a line and pay what I had to pay. Needless to say if you were below that line you weren’t getting paid. :o
To bring you up to date it took about two years for me to get back on my feet and now I need to clean my credit report up. I first just looked up a company to do this (not saying names) they wanted roughly $900.00 dollars to do this and that put up huge red flag for me. So I looked around and found this website.
So as of yesterday I received my Transunion credit report. (bare in mind I have no terminology)
I have five Adverse Accounts.
Assest Acceptance
Balance: $4000+
Date Updates: 02/2009
OC: CitiBank
Past Due: 4500+
Collection Account
Capital One
Balance: 500
Date Update: 01/2009
Credit Limit:200
Charged off as bad debt
Chase
Balance: 0
Date Update: 09/2008
Credit limit 1000
Charged off as bad debt
Citifinancail
Balance: 3000
Date Update 02/2009
Charged off as bad debt
NCO Financial
Balance: 500+
Date Update 02/2009
Original amount 400+
Collection Account.
The accounts that confuse me are NCO for Capital One, this is for the same debt, none of the other creditors like CitiBank they aren’t reporting along with Asset Acceptance for the same debt. :confused:
Just trying to get a grasp on how this works. I disputed these accounts with there online dispute form. Once I get my other two credit reports I’ll be doing those via mail. The first letters you send should be the validation letters to the three credit reporting agencies correct?
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