May 15th, 2010 
I LOVE MY BEAUTIFUL MONSTER asked:
I need to know what shows up on your credit report?
When i as 18 i was an idiot and got a place with my best friend and i got the cable and electric in my name and i didn’t pay the last months bills for the last month we lived there. I also have 2 medical bills and i owe National City Bank 150. in overdraft fees from three years ago. Three years ago i got a car which was from a buy here pay here and they said they didn’t mess with credit unless i needed a referral from them, but i never paid the last 400 because the car broke down on me before i had it for a year, i paid over 3000 on it though like an idiot so i didn’t knowif that would appear or not. I am going to call tomorrow and start making payment plans with the four biggest places i owe, i am doing this because i have a daughter and i love her and want to have a stable house for her to live in by the time she is in school..
Is there anything i can do to help get myself out of this mess after i pay the places off? What can i do to build credit?
Also do you have any idea how much it will cost me to get a verizon wireless phone in my name? Like down payment wise? In all i think i am in debt $ 500- $700 dollars, and i happened to forget that i got into a wreck w/o insurance two years ago and owe $2600 i go to court on the 27th for it, is there any way to get that amount lowered?
I do need a cell phone due to the fact i am going back to work when my daughter is 10 weeks, thank you. Most people i know are in far worse debt than me and have NO expectations of clearing it. I am only 22, so why be rude and not answer any of my questions?!?
Thanks to the first two answers!!!!:)
Sharon
I need to know what shows up on your credit report?
When i as 18 i was an idiot and got a place with my best friend and i got the cable and electric in my name and i didn’t pay the last months bills for the last month we lived there. I also have 2 medical bills and i owe National City Bank 150. in overdraft fees from three years ago. Three years ago i got a car which was from a buy here pay here and they said they didn’t mess with credit unless i needed a referral from them, but i never paid the last 400 because the car broke down on me before i had it for a year, i paid over 3000 on it though like an idiot so i didn’t knowif that would appear or not. I am going to call tomorrow and start making payment plans with the four biggest places i owe, i am doing this because i have a daughter and i love her and want to have a stable house for her to live in by the time she is in school..
Is there anything i can do to help get myself out of this mess after i pay the places off? What can i do to build credit?
Also do you have any idea how much it will cost me to get a verizon wireless phone in my name? Like down payment wise? In all i think i am in debt $ 500- $700 dollars, and i happened to forget that i got into a wreck w/o insurance two years ago and owe $2600 i go to court on the 27th for it, is there any way to get that amount lowered?
I do need a cell phone due to the fact i am going back to work when my daughter is 10 weeks, thank you. Most people i know are in far worse debt than me and have NO expectations of clearing it. I am only 22, so why be rude and not answer any of my questions?!?
Thanks to the first two answers!!!!:)
Sharon
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