Eric's Credit Community

OK I am going to get right to the point as I know you will have questions about my 13 DQ?s.

Let me first tell you that I am a very ambitious teacher and entrepreneur. I had a few really rough spots during 2000-2002. My grandmother passed away from MS while I was caring for her, My father died of a sudden heart attack at 58, and my husband (whom I funded to come to America and start up his IT business) left me when he got his greencard.

NOW I am NOT a whoas me kind of girl! This did have some detriment to my credit payments and score. I think I made some DQ?s to just pure shell shock and depression. About some more of these DQ?s. That one $200 day at Sears in 2000 has been following me for 3000 dollars and 6 years. I had 4 years of perfect payments and currents on my credit report when I changed banks. I called Sears to tell them that I needed them to change my auto draft to my NEW BANK.
They did NOT. I didn?t notice it wasn?t being taken out of my account til a month or so in. This put me DQ two times. So I call them up and pay that past balance (even though DQ) and set up ANOTHER auto draft because I am a busy girl with a new business and I like things done automatically for safety purposes. They did NOT successfully set it up again. If I tell you they did it a THIRD time you might not believe me but I am telling you the HONEST TRUTH. They made 3 MISTAKES in a row with my account set up. This made up for about 8 or 9 of my DQ?s and even though I paid them all promptly upon discovery?. It was permanent on my credit report. 

 I have now started MY OWN sales business from home. I can show you paperwork that shows my business has TRIPLED in sales since inception in Jan 06. This month I sold 23,500 when I started at approx 7000/ month in Jan and Feb. I will triple this again by this time next year. Give me a chance to fix this little credit bleep mess I allowed to happen. After that loquacious bit: Here are my financials

Income
D?Andrea USA 1000 base/month
D?Andrea USA 1350 commissions this month (avg 1000 currently)
p/t teach   300
roommate 600
Total 3250  

Expenditures
Rent    875
Cable    50
Internet 50
Cell     100
888#/toll 50
elec       100
gas      10
food   250
ent     100
insurance 60
student loan 131
Total     1776

  I have money to pay my prosper loans monthly and I am a LOW RISK HR with HIGH Interest RATE. I have lived in my apartment for almost ten years, had the same roommate for 5 and had many years where my payments where current until I had a major life change. 

  I will pay the 3 or 4 small collections on my credit that somehow slipped by me in the past?like 125 library book, 60 BMG music???, 1200 towing car. This will bring my credit score up quickly as well as me paying my Sears bill 650, my Capital one 250, and First Premiere Bank cards down. I will also pay a settlement on an old tax issue from when I was in school and did not claim some financing accidentally. I now have high penalties on it but can save 1000 if I settle lump sum.  

Please help me get back ahead of the game. My business is popping and I have made it past way too many REAL obstacles to let this money thing get me.

Thank you for your time and consideration
Peace and blessings krisgirl