Hello all! At the beginning of this month, I decided to clear my debt problems that have been plaguing me for the past 5 years. The first thing I did was check my Equifax credit score. I was shocked to find my score was in the mid 500s. The last time I checked (‘03) it was in the in the 700s. The only SOT (signs of trauma) I have on my file are the following:

1) Bad Credit Card debt in the $1500s (Not Paid). The last date of activity in this account was in ’03. Comments: ‘Written off’ and ‘Monthly payments’. Last Reported in ’07.

2) Outstanding Cellular Phone bill that was paid off over 3 years ago ($0 balance owing)...It was never sent to collections (and I was in full contact with the company), but the status is reading ‘Bad Debt, Collections Account or Unable to Locate’... Comments: ‘Closed at consumer request’. Last Activity:'04. Last reported in ’06.

3) Credit Inquiries: One Hard Pull from ‘02 from my bank (for the above mentioned credit card) that should have fallen off in 3 years but hasn’t.

Questions: 1) I made 3 direct deposits (totalling $21 dollars) from my checking account to the above credit card account in Aug ’07(before I knew that it wasn’t in my best interest to do so!). Have I re-aged the account by doing this or do I still have a chance of getting it discharged? Also, is there a way to remove the Cellular phone entry and the HP? (I called the Cellular Co. about 2 years ago for them to remove the entry, and they said it was out of their hands)

I know that some of these entries are almost due to fall off my records, but I was planning on purchasing a car this year...Needless to say, I NEED to better my CS in a hurry!!

Thanks for your help and advice!!

Jac