Hi. I just joined this group hoping to get some help with a very strange problem, i am having with some creditors. Please help me if anyone knows what I should do.
Here’s my story, in 2009, i had about 3000 dollars credit card debt, very little, 4 creditors. I had a great job as a broker, and had perfect credit. One day, i came down with chronic fatigue and couldn’t work at my awesome job, so i had to go on state disability for what i thought would be a short time while my insurance kicked in, well they fought me for 2 years, to not have to pay my ltd. I did hire a great attorney who fought for me for 2 years and finally got my benefits in place. During that time, my income went from $5000 a month to $1200 a month, i am a single mom, my daughter was 3 at the time, and our rent was $1200. I called the creditors begging them to give me some time while my disability benefits went into place, of course they didn’t and sent these off to charge offs. So I knew i would have to wait the 7 years for these to fall off. I haven’t checked my credit report as it is so degrading to live with such a low fico score and live in poverty not having anyone to rent to us because of these $3000 of charge offs, so very sad our credit laws..
Anyways, i decided to check my credit report as it has been 7 years and my fico score was stll quite low at 525. But the terrible thing is these creditors from before had sold these loans this year (7 years after they were charged off) to 4 collection agencies and they have all reported me as a current collections. Plus i have one on there from last year for the same creditor, which means there are two current collections for 2 different collection agencies for charge offs done in 2009. I am so shocked and cant believe this so i called trw and they said these will stay on there for 7 years and i can add a letter to my file, this isn’t right, these should be dropping off this year not going as current collections. I haven’t used any credit in 7 years, nothing and these are from the old charge offs. How does this happen, and does anyone know how do i get these collections off my report as they aren’t right. Is this just too weird. Who would have thought that becoming to ill to pay for $3000 would put someone in the place where you are thought of as a deadbeat and no one will even take a rental application for an apartment with this score.
uggh, i am in a funny spot, i just want to rebuild my credit and be a normal human being again. Any advice would be greatly appreciated. thank you.