by mamasmoney » Mon Sep 24, 2012 10:42:20 PM
hello all
i am a newbie here. i am trying to understand my husband's credit report.
quick history i am in app. for perm. resident and my husband is a Canadian citizen.
he moved to the states in 2000 we married in 2003. we fell on hard times in the states in starting in 2006 and began to have problems with our payments in 2007. fast forward we move to NS in 2010 after having a child and wanting family around. we are getting back on our feet financially. husband has a a good job and we would like to rebuild his credit. after getting his equifax report i feel a like some things maybe inaccurate.
please have a look and let me know if anyone has suggestions or see's something fishy. i will basically list what is on the report sans sensative information :)
* credit score 509
*current address listing is wrong address is listed as living in ON we live in NS
*current place of work correct
* two OPEN? accounts on report.
# 1
High Credit/Credit Limit: 000000030000
Payment Amount: $9,999.00
Association to Account: Individual Balance: $27,406.00
Type of Account: Revolving Past Due: $27,406.00
Date Opened: 1997-03 Date of Last Activity: 2008-03
Status: Bad debt, collection account or unable to locate Date Reported 2011-02 ( WHAT DOES THIS MEAN)
Months Reviewed:
Payment History: No payment 30 days late
No payment 60 days late
No payment 90 days late
Prior Paying History: At least 120 days past due ( 2008-02 ) At least 120 days past due ( 2008-01 ) At least 120 days past due ( 2007-12 )
Comments: Written-off
Personal line of credit
#2
High Credit/Credit Limit:1824
Payment Amount: $169.00
Association to Account: Individual Balance: $1,824.00
Type of Account: Installment Past Due: $1,824.00
Date Opened: 2007-04 Date of Last Activity: 2008-01
Status: Bad debt, collection account Date Reported:2010-12
Months Reviewed:
Payment History: No payment 30 days late
No payment 60 days late
No payment 90 days late
Prior Paying History: At least 120 days past due ( 2007-12 ) At least 120 days past due ( 2007-11 ) At least 120 days past due ( 2007-10 )
Comments: Written-off
Note loan
#Husband has no memory of why or how he got the second loan#
Report shows:
No Banking history on file
No Public Record information on file
No Collections information on file
We belive the account was put into collection with a US firm in 2007 (very agressive, inappropeiate language and treats , calling at work place when asked not to ect. in which we had to take harasment action against.
So if i have my time line correct 1st delinquent payment would have been in 2007.
so why does report list date of last activity 2008
and date reported as 2011??
please help as we don't want to kick the nest , now that we only have maybe less then 2 years before it no longer shows on report.
should he instead be focusing on rebuilding his bad credit. With secured credit cards and such.
Thank you to all who have taken your valuable time to read this novel!
Any advice or comment is greatly appreciated.