I live in Kentucky, and I am 23 years old. I have messed up and dug myself in a financial hole. Well I haven't paid on any credit card bills or my one personal loan in over two years. All accounts are closed, and they are show $0 except a few of them. Two accounts were SOLD to collections, the rest were charged off as bad credit. The personal loan account was closed and it says Refinanced, which I don"t know why it has nothing else about it on there. So the main thing showing "bad marks" are the collection debts. I was told you could dispute those with the reasoning being "contract was cancelled" then write no contract in dispute comments.
I would just like to start to fix my credit, and I'm not sure what the best approach would be. This is my first time posting to any forum, ever. So please keep that in mind.
I would just like to start to fix my credit, and I'm not sure what the best approach would be. This is my first time posting to any forum, ever. So please keep that in mind.
Comment