hardeight

Contact the lender and get it solved. 

Lots of reports have errors. That is why you are support to check them once per year. Just call the mortgage lender and get it cleared up. 

Get a secured credit card and start building there. The hard inquriies will go away in time but this is why you should start building credit young not when you need it. 

Your score will drop. But aside from that, if they aren't going after you, you should be fine. There are probably some statutes of limatations for the debt based on your state. 

You have debt in disputed? It is in collections? If so, clearling up the collections will be the biggest boost you can do. Also consider getting a few more credit cards. I had about 3 after college and it helped a lot. 

If your score is high, go to your bank and get a personal loan. If your score is low, you don't have many options. 

Take a look at annualcreditreport.com. 

I would think it would be a default like everything else. Take a look at the contract. It will probably go to collections and you will owe whatever the company can't recover by selling it. 

A report is a history of the transaction. You normally can't remove it unless it is wrong. 

Negotiate with all of them. Try to get them to agree to a "pay for deletion" agreement. 

You should stop maxing out your cards. That will help a lot. After that just keep your balances below 30% and your score will go up over time. 

The collections account will start it a new. That is why sometimes it is just better to pay it off. Try looking up a "Pay for Deletion" agreement. 

Sounds like a legitimate late payment. Try calling the lender. Explain the situation and ask that they remove the delinquencie as a courtesy. That has worked for me in the past. 

Sounds like identiy theft and fraud. You have every right to go after you son and clear your name. 

You should check the card appilcation page before you apply regardless of what this site says.

DTI is not part of your credit score. But the fact that your mortgag is showing as open should be investigated.

They might but they probably just sent a dipute letter. You can do that yourself. Just google it and try. Candidly, if the charge off is accurate, you don't have much legal standing. 

It is up to Citi to report balance. It often takes them 30-60 days to get it correct for the bureas.

You can try debt settlement. It will ruin your credit score but it is a good alternative to BK if you can make the payments. Just make sure you get a reputable debt settlment company as there are some bad ones out there. 

AnnualCreditReport.Com

AnnualCreditReport.Com

AnnualCreditReport.Com

AnnualCreditReport.Com

Keep your credit lines open longer. 

Credit Karma data is from TransUnion. So take a look at AnnualCreditReport.com. If you don't see it there you should contact ck. IF you do see it there, you should contact the lender and dispute it.