I think I messed up...please any help is appreciated!

[justme]

I am new on here and after reading and reading and also searching around in other forums I finally after trying to take deep breath as ashamed as I am have to ask for help and put my story out here.

I do not want to give all the info in my first post here but I will add whatever is needed to get help and advice from you all! Thank you in advance!!!

I came to the U.S. about 8 years ago as a students and got a social security # through my student visa. I first met a girl in school who told me to just apply for credit and put in whatever I want in my application, they won't check it and if I get in debt then who cares since you are leaving anyways.

Yes those were her words and me knowing not anything about this and after opening a regular bank acct did it in 2003. Well I got approved by BofA and Cap1. I had no income since I wasn't allowed to work and due to this and because I was dumb and naive I ran them down, 1st one $800 2nd $200. I don't believe I ever made a payment but if so then maybe one on each since I didn't have the money. Yes I know why lying and getting them in the first place? I know it was very irresponsible and plain stupid - I know that now!

Well, now 7 years later I am married with kids and have never touched my CR since then, never applied or even checked. I am a housewife now, paying my husbands bills on time and understanding a lot more about CR and credit in general! I know I started off the wrong food but I want to fix it! I have pulled my free CR from two CRA and found the following:

BofA (charged off and in collection)

date of last payment 01/04
date of 1st Del 03/04


Cap1 (charged off and in collection)

date of last payment 02/04
date of 1st Del 01/04


I have, since I opened up the accounts gotten married like mentioned but never changed my maiden name which appears on the CRs and never changed my address. I have also moved from FL where I opened both accounts to TN

I know about SOL but I read it's tolled in FL still they don't know when I moved. I am not trying to hide but I am trying to get a fresh start and get them removed somehow. I know they should fall off soon but since I was so worried about what to do and to help my husband who had to put everything we own in his name I did the wrong thing when I pulled the report yesterday. I disputed. Will I "wake up the sleeping dogs"? I know SOL in fl is 4yrs in Tn it is 6yrs.

also should I have my husband add me as an AU or should I try to open a secure card or just wait and get the fresh start once the fall off?but then they have my new address?

PLEASE, very very pretty please I need help!
I know I messed up so please do not judge me I feel bad already!
I truly appreciate your help from the bottom of my heart!

Thanks,
Emma

[jjgross]

Originally Posted by justme

I am new on here and after reading and reading and also searching around in other forums I finally after trying to take deep breath as ashamed as I am have to ask for help and put my story out here......

I do not want to give all the info in my first post here but I will add whatever is needed to get help and advice from you all!Thank you in advance!!!!

I came to the U.S. about 8 years ago as a students and got a social security # through my student visa. I first met a girl in school who told me to just apply for credit and put in whatever I want in my application...they won't check it and if I get in debt then who cares since you are leaving anyways....
Yes those were her words and me knowing not anything about this and after opening a regular bank acct did it in 2003. Well I got approved by BofA and Cap1. I had no income since I wasn't allowed to work and due to this and because I was dumb and naive I ran them down...1st one $800 2nd $200 I dont believe I ever made a payment but if so then maybe one on each....since I didn't have the money.....yes I know why lying and getting them in the first place?I know it was very irresponsible and plain stupid...I know that now!
Well.....now 7 years later I am married with kids and have never touched my CR since then....never applied or even checked....
I am a housewife now..paying my husbands bills on time and understanding a lot more about CR and Credit in general!
I know I started off the wrong food but I want to fix it!
I have pulled my free CR from two CRA and found the following:

BofA (charged off and in collection)

date of last payment 01/04
date of 1st Del 03/04


Cap1 (charged off and in collection)

date of last payment 02/04
date of 1st Del 01/04


I have, since I opened up the accounts gotten married like mentioned but never changed my maiden name which appears on the CRs and never changed my address... I have also moved from FL where I opened both accounts to TN

I know about SOL but I read it's tolled in FL still they don't know when I moved.....I am not trying to hide but I am trying to get a fresh start and get them removed somehow...I know they should fall off soon but since I was so worried about what to do and to help my husband who had to put everything we own in his name I did the wrong thing when I pulled the report yesterday...I disputed....will I "wake up the sleeping dogs"?
I know SOL in fl is 4yrs in Tn it is 6yrs.....

also should I have my husband add me as an AU or should I try to open a secure card.....or just wait and get the fresh start once the fall off?but then they have my new address?

PLEASE.....very very pretty please I need help!
I know I messed up so please do not judge me I feel bad already!
I truly appreciate your help from the bottom of my heart!

Thanks,
Emma

One thing real quick nobody here judges anyone and you do not need to plead for help.You will get advice here.
1.do you need for you to have credit now if not i would wait until they fall off.
2.If he adds you that might wake the sleeping dog.
3.It could be sol or not if you move from one state to another it stops it until you move back then starts where it left off.
4.now take a deep breath and relax You made a mistake don't worry about everyone on this site has made one.Oh welcome to the forum.we'll help you through this.

[justme]

Oh gosh thank you so very much!! you have no idea!!!!
I was afraid people judge me I could imagine some people still do but thank you to the ones that don't!!!!
1. no I do not need credit right now but everything is in my husbands name...two cars, the house and two CC and the debt to income is growing....I just wish I could lift some of his shoulders!
2.Ok then I will wait but did I not wake them already (unfortnately by disputing?) online or will they not find me because they do not have my address? I wasn't able to say I have never lived at the FL address because this is the only one I ever had on any CR.
3.I thought they could also sue me in the state I live now (TN with an SOL of 6yrs)....although they do not really know when I left FL......btw no judgment on the CR
4.Thank you for your "welcome" and for not judging! I will try to take a deep breath..I already feel better having finally somewhat talked about it!

[jjgross]

Originally Posted by justme

Oh gosh thank you so very much!! you have no idea!!!!
I was afraid people judge me I could imagine some people still do but thank you to the ones that don't!!!!
1. no I do not need credit right now but everything is in my husbands name...two cars, the house and two CC and the debt to income is growing....I just wish I could lift some of his shoulders!
2.Ok then I will wait but did I not wake them already (unfortnately by disputing?) online or will they not find me because they do not have my address? I wasn't able to say I have never lived at the FL address because this is the only one I ever had on any CR.
3.I thought they could also sue me in the state I live now (TN with an SOL of 6yrs)....although they do not really know when I left FL......btw no judgment on the CR
4.Thank you for your "welcome" and for not judging! I will try to take a deep breath..I already feel better having finally somewhat talked about it!

Well since you disputed them just wait and see what happens but you can be added as an au to his cards,if you disputed in your maiden name the only thing that is the same is your ss#so i would wait a while before being added.Don't be hard on your self you made a mistake,its not the last one you'll make,life is to short enjoy it,this will pass.

[justme]

okay so better don't be added as AU just wait and see what happens with the dispute......just worried they will sue since i know the SOL for both states but don't know which applies....ugh I am just worried! I have the dates as stated but it is still a while until they fall off and that's definite the SOL thing is not and it's just confusing!....BofA and Cap1 are big ones that's what worries me and therefor that the dispute was senseless and just stirred stuff up.......

[jjgross]

Originally Posted by justme

okay so better don't be added as AU just wait and see what happens with the dispute......just worried they will sue since i know the SOL for both states but don't know which applies....ugh I am just worried! I have the dates as stated but it is still a while until they fall off and that's definite the SOL thing is not and it's just confusing!....BofA and Cap1 are big ones that's what worries me and therefor that the dispute was senseless and just stirred stuff up.......

There's one other thing to consider is on the credit card agreement sometimes it will say what state law they go by and cap 1 is utah which i believe is 3 years but not sure if you call them and ask they might tell you which law they go by.Now Trish might know and i hope she checks in.She is really the pro here,so just hang in and check with her also,she should check in pretty soon.

[justme]

now I found a different website that states the SOL for TN (if the would sue me without knowing where I am) is 3yrs.....who can help me understand I can't find a website with the "real" state laws about this? Can they only sue me in FL if I ever go back or what does the toll mean?