I just recently signed up for CreditKarma. I am attempting to clear up my credit history for the sake of future me.
Long story short, I decided going to school and then didn't finish due to medical issues. It has been more than 7 years since I got these loans.
When I go into my accounts it states I have 4 accounts that need attention. (These are medical bills that I plan on taking care of in the next week or so.)
Other then those I have 5 US DEPT OF EDUCATION accounts ranging from 650$ - 3400$. These all state "Student loan permanently assigned to government"
I also have 2 accounts from COLLEGE FOUNDATION INC totaling in at a whopping 0$. (One was purchased by another lender and one is stating it is "Closed")
I also have 5 FEDLOAN SERVICING that are all stating 0$ and closed as well.
Lastly, I have a VERIZON that is 7 years and Charged off as bad debt/Profit and loss write-off
Here are the "Closed" Dates. http://ift.tt/2sO44cX
My question are...
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Are these hurting my credit score?
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Some of these are opened more than 7 years ago with no activity since then, as I literally couldn't afford to do anything and now I am trying to fix it, Can I do something to get these taken off my credit history? I would assume from what I have read elsewhere they "should" fall off after 7 years, but I am so lost I don't even know where to look and if that is even correct.
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Since I haven't had any good activity on my credit in years I assume my best bet is to open a Secured Credit Card and put at least 200$ towards that. Am I correct in assuming this?
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Is there something else I should be doing as well? I know I will be taking care of those medical bills before they get out of hand soon.
Thanks for the help.
Submitted June 20, 2017 at 07:59PM by IAM_BillyMays http://ift.tt/2tLKQBR
