First question I have is Discover Card debt in another country? Thanks in advance for any answer. 2nd question I got is.. I am just getting started with trying to understand and reapair my credit. Its a big mess atm. This is what Ive got....

1. Utility - Opened in 2002 is reported on all 3 CRA's w/ balance of $175.00. Out of Legal SoL, Unknown DofD, Dola prior to 2004, status is Charged off still reporting Key Derog. Disputed with CRA's - status under investigation..

2. Discover card - Opened in 2000 is reporting no balance and a high limit of 1,300. Out of Legal SoL, Unknown DofD, Dola prior to 2003, status bad debt placed as collection and skip , closed. Last Reported Jan 2009 - Turned over to Cavalry Portfolio, Still reporting Key Derog. with balance of $2,500, account status in collections..

3. Unsecured - Opened in 2004is reporting no balance and is out of legal SoL, Unknown DofD, Dola prior to 2003, status Charged off profit written as loss. closed. Last Reproted Jan 2005 - Turned over to Cavalry Portfolio , still reporting Key Derog. with balance of $800, account status in collections..

4. Auto - Opened 2002is reporting a balance of 12,000 and is out of legal SoL, Unknown DofD, Dola Prior to 2004, status Charged Off, last reported Jan 2005. - Turned over to Cavalry Portfolio. still reporting Key Derog. with a balance of 14,000, account status in collections..

5. Auto - Opened 2003 no balanced charged off nearing 6 yr SoL. Last Reported Jan 2004 with Key Derogs, account status charged off. Disputed with CRA's - status under investigation..

6. Discover card - Opened 2002 with a balance of $3,000 and a high limit of $2,500. Is out of legal SoL, DofD is unknown, Dola is prior to 2004, account status charged off. Disputed with CRA's - status under investigation..

7. Cellphone - Opened 2005 with a balance of 825.00, DofD unknown, Dola unknown, legal SoL unknown, still reporting key derog. account status in collections. Disputed with CRA's - status under investigation ..

8. Utility - Opened 2009 with a balance of 190.00, DofD Sep of 2005, Dola unknown, outside of legal SoL, reported once by CA and turned back over to OC..

9. Utility - Opened 2004 with a balance of 190.00, DofD unknown, Dola prior to 2004, out side of SoL, still reporting with Key derogs. Sending a 623 letter..

10. Medical - Opened 2004 with a abalance of 375.00, DofD Jan 2004, Dola Jan 2004, out side of legal SoL,account status in collections, still reporting key derog, sent HIPPA letter..

11. Medical - Opened 2004 with a balance of 260.00, DofD Jan 2004, Dola Jan 2004, outside of legal SoL, account status in collections, still reporting key derog, sent HIPPA letter..

12. Government Overpayment - Opened Jun 2006 with a balance of $400.00, DoFD Sept 2005, DolA Sept 2005, account status closed..

This post has been edited by.

Tryn2getup.

: 01 January 2010 - 05:23 PM..