My history
Date: Wed, 02/28/2007 - 20:31
After a rocky past couple years, I'm ready to consolidate my Debt and pay back all the bills I owe.
I've been between jobs for the past 5 years since I was 19. I received my first credit card when I was 18. All payments were on time, and I was on my way to building good credit. I then lost my job and couldnt afford to pay the bill. By the time I found another job, the bill was so tremendous, I could afford to pay it even working all the overtime possible. New credit cards came in the Mail, I used them and with the same results of losing jobs and falling behind on payments or unable to make them. I finally found a secure job, where I'm making decent money ($60,000 YR) and am ready to pay back to repair my credit. I believe I own in total $3,300 which I can pay back in 2 months time. Please help me!
The problem is, its been so long, and I've been so irresponsible, that I forgot who I even own money too.. I've looked on my credit report, but its hard to distinguish things such as JRSINC....
I've been between jobs for the past 5 years since I was 19. I received my first credit card when I was 18. All payments were on time, and I was on my way to building good credit. I then lost my job and couldnt afford to pay the bill. By the time I found another job, the bill was so tremendous, I could afford to pay it even working all the overtime possible. New credit cards came in the Mail, I used them and with the same results of losing jobs and falling behind on payments or unable to make them. I finally found a secure job, where I'm making decent money ($60,000 YR) and am ready to pay back to repair my credit. I believe I own in total $3,300 which I can pay back in 2 months time. Please help me!
The problem is, its been so long, and I've been so irresponsible, that I forgot who I even own money too.. I've looked on my credit report, but its hard to distinguish things such as JRSINC....
Go through your credit report. You will find the address of each
Go through your credit report. You will find the address of each creditor listed there. You can call and make them aware of your payment plans. Take professional advice on how to make your proposals better.
Before you start paying, get more information on how old are these debts. If they are already past the SOL period and are close to being removed from your credit report, give a second thought before you make a payment. The latest payment will renew the account and bring up all collection actions.
Get the date of last payment done on these accounts and confirm the SOL in your state. Then you will move from there.
