topic Re: what to tackle next? in Rebuilding Your Credit

what to tackle next?

adio413 — Wed, 10 Oct 2012 19:56:47 GMT

CBCS Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	CBCS	CBCS	CBCS
Account #	1806XXXX	1806XXXX	1806XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account	Collection Account
Balance	$271.00	$271.00	$271.00
Date Opened	10/1/2011	10/1/2011	10/24/2011


CONVERGENT OUTSOURCING Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	CONVERGENT OUTSOURCING	CONVERGENT OUTSOURCI	CONVERGENT
Account #	7003XXXX	7003XXXX	7003XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account	Collection Account
Balance	$387.00	$387.00	$387.00
Date Opened	7/1/2010	7/1/2010	7/9/2010


MIDLAND CREDIT MGMT IN Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	MIDLAND CREDIT MGMT IN	No Data Returned For This Bureau	MIDLAND MCM
Account #	853158XXXX	853158XXXX
Account Type	Debt Purchase	Collection Account
Balance	$1,222.00	$1,222.00
Date Opened	8/1/2009	8/26/2009


PROFESS ACCT Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	No Data Returned For This Bureau	PROFESS ACCT
Account #	1305XXXX
Account Type	Collection Account
Balance	$67.00
Date Opened	1/18/2010


PROFESS ACCT Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	No Data Returned For This Bureau	PROFESS ACCT
Account #	1074XXXX
Account Type	Collection Account
Balance	$67.00
Date Opened	10/13/2008


PROFESS ACCT Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	No Data Returned For This Bureau	PROFESS ACCT
Account #	1061XXXX
Account Type	Collection Account
Balance	$104.00
Date Opened	9/9/2008


AFNI Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	AFNI	No Data Returned For This Bureau
Account #	101869XXXX
Account Type	Collection Account
Balance	$155.00
Date Opened	8/1/2007


AFNI, INC. Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	AFNI, INC.	No Data Returned For This Bureau	AFNI
Account #	204072XXXX	204072XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account
Balance	$183.00	$183.00
Date Opened	4/1/2010	4/19/2010

BUR COL RECO

Potentially Negative Closed

More Account Details

Experian®

Equifax®

TransUnion®

Account Name

No Data Returned
For This Bureau

BUR COL RECO

Account #

7181XXXX

Account Type

Collection Account

Balance

$0.00

Date Opened

7/17/2012


CAP ONE Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	CAP ONE	CAPITAL ONE BANK USA	CAP ONE
Account #	40034470XXXX	40034470XXXX	40034470XXXX
Account Type	Credit Card	Revolving or Option	Revolving account
Balance	$2,683.00	$2,683.00	$2,683.00
Date Opened	2/1/2007	2/1/2007	2/5/2007


FAIR COLLECTIONS & OUT Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	FAIR COLLECTIONS & OUT	FAIR COLLECTIONS & O	No Data Returned For This Bureau
Account #	347XXXX	347XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account
Balance	$3,415.00	$3,415.00
Date Opened	5/1/2009	5/1/2009

Re: what to tackle next?

adio413 — Wed, 10 Oct 2012 20:00:50 GMT


FIRST PREMIER BANK Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	FIRST PREMIER BANK	FIRST PREMIER	FST PREMIER
Account #	517760739300XXXX	517760739300XXXX	51776073XXXX
Account Type	Credit Card	Revolving or Option	Revolving account
Balance	$440.00	$440.00	$440.00
Date Opened	8/1/2009	8/1/2009	8/7/2009


GECRB/SAMS Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	GECRB/SAMS CLUB	GECRB/SAMS
Account #	77141003XXXX	77141003XXXX
Account Type	Revolving or Option	Revolving account
Balance	$0.00	$0.00
Date Opened	2/1/2007	2/7/2007


SOUTHWEST CREDIT SYS Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	SOUTHWEST CREDIT SYS	No Data Returned For This Bureau
Account #	3503XXXX
Account Type	Collection Account
Balance	$564.00
Date Opened	1/1/2012


SOUTHWEST CREDIT SYSTE Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	SOUTHWEST CREDIT SYSTE	SOUTHWEST CREDIT SYS	No Data Returned For This Bureau
Account #	3736XXXX	3736XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account
Balance	$663.00	$663.00
Date Opened	7/1/2012	7/1/2012


GECRB/SAMS CLUB Unknown More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	GECRB/SAMS CLUB	No Data Returned For This Bureau	No Data Returned For This Bureau
Account #	771410039995XXXX
Account Type	Charge Account
Balance
Date Opened	2/1/2007

so these are all the negatives on my CR as of 10/8/2012 1. the professional account managaments are being disputed via transunion. these were deleted through experian a few weeks ago, but, the CRA don't share info, so i had to doa sepearate dispute 2. the AFNI one for $155..... afni said that has been sent back to the OC (verizon). idk what to do about that one 3. the bureau of collections one is being disputed through transunion. i paid the OC (at&t) almost a month ago but i want this off 4. the first premier bank for $440........... i PIF 3 days ago 5. the 1st and 2nd southwest credit systems was another CA for the same at&t account. AT&ts fraud department got a call from me yesterday. about it showing up a 2nd time on my CR now with a balance of $663!!. when i paid at&t back in septemeber, they told me they would get in contact with bureau of collection and southwest credit systems to let them know i paid in full. so............. looking at these negatives, what would you say is keeping my score down? * this is all copy n pasted from my usaa credit monitoring account

Re: what to tackle next?

adio413 — Fri, 12 Oct 2012 00:10:06 GMT

ttt

Re: what to tackle next?

Shogun — Fri, 12 Oct 2012 01:14:50 GMT

Well it looks like you've got some negatives on there that need to be addressed. Like I told you in your PM, get those CRs pulled from annualcreditreport.com so we have a little more information to go on. Then we can see exactly how old these are and form a gameplan on tackling them.

Re: what to tackle next?

adio413 — Thu, 18 Oct 2012 04:09:46 GMT

ttt........ one is helping me but theres no need NOT to share the burden