Questions (CAs not bonded in my state, How to figure out what an unfamiliar item is on my CR)

Hi All,

 

After years of ignoring my credit that i messed up when I was younger, I got up enough guts to pull my CR (especially after I keep getting denied apartments and am living in someone’s basement)

 

It’s pretty bad but most of the stuff is disappearing at this point.

  

I do have a couple of questions I hope someone can answer:

 

1. If I now live in Tennessee (previously Florida), where I believe I read that CA must be bonded to collect –  How do I deal with the CA if they are unable to do business with me? Can they be taken of my CR?

 

2. Some of the items on my CR, I cannot figure out. Sometimes some (unknown to me) CA-sounding name is also listed as the OC (with no contact info). Do I dispute this with CRA and find out what it’s all about? 

 

3. A lot of my debts say “this account is scheduled to continue on record unti xx/2010″. Does that mean they will totally disappear from my CR? Some that I have from 2003 do not have “Status Details” with a date and just say “closed”. Will these fall off?

 

 

Thank you.

This forum is excellent!