Here are my collections: Collection on debt to: 01 Era Acquisitions Inc The collection agency "Elite Rcy Sv" was hired to collect a debt of $1,172 originally owed to "01 Era Acquisitions Inc" on account number "XXXxxxx". Collection agency [?] Elite Rcy Sv Original balance [?] $1,172 Current balance [?] $1,172 Status [?] Not Reported Date assigned [?] Jan 04, 2007 Date reported [?] Mar 15, 2008 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] 01 Era Acquisitions Inc Account number [?] XXXxxxx Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: 10 Cox Communications Chantilly The collection agency "Crdt Ctrl Co" was hired to collect a debt of $331 originally owed to "10 Cox Communications Chantilly" on account number "XXXXXXxxxx". Collection agency [?] Crdt Ctrl Co Original balance [?] $331 Current balance [?] $331 Status [?] Not Reported Date assigned [?] Mar 12, 2007 Date reported [?] Jul 19, 2007 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] 10 Cox Communications Chantilly Account number [?] XXXXXXxxxx Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: Med1 02 Radiologic Assoc Of Fred Lt The collection agency "Fcb" was hired to collect a debt of $79 originally owed to "Med1 02 Radiologic Assoc Of Fred Lt" on account number "XXXXXXXXXXXXXxxxx". Collection agency [?] Fcb Original balance [?] $79 Current balance [?] $79 Status [?] Not Reported Date assigned [?] May 18, 2005 Date reported [?] Jul 18, 2005 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Med1 02 Radiologic Assoc Of Fred Lt Account number [?] XXXXXXXXXXXXXxxxx Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: 01 Tonys Westside Athletic Club The collection agency "Union Cr Alb" was hired to collect a debt of $414 originally owed to "01 Tonys Westside Athletic Club" on account number "XXxxxx". Collection agency [?] Union Cr Alb Original balance [?] $414 Current balance [?] $414 Status [?] Not Reported Date assigned [?] Mar 22, 2004 Date reported [?] May 21, 2004 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] 01 Tonys Westside Athletic Club Account number [?] XXxxxx Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: Mitchell Electric Membership The collection agency "Crburswga" was hired to collect a debt of $463 originally owed to "Mitchell Electric Membership" on account number "XXXxxxx". Collection agency [?] Crburswga Original balance [?] $463 Current balance [?] $463 Status [?] Not Reported Date assigned [?] Sep 23, 2003 Date reported [?] Nov 30, 2003 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Mitchell Electric Membership Account number [?] XXXxxxx Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: Med1 Practice Plus Of Swga The collection agency "Crburswga" was hired to collect a debt of $121 originally owed to "Med1 Practice Plus Of Swga" on account number "XXXxxxx". Collection agency [?] Crburswga Original balance [?] $121 Current balance [?] $121 Status [?] Not Reported Date assigned [?] Sep 08, 2003 Date reported [?] Oct 31, 2003 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Med1 Practice Plus Of Swga Account number [?] XXXxxxx Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: Med1 Practice Plus Of Swga The collection agency "Crburswga" was hired to collect a debt of $90 originally owed to "Med1 Practice Plus Of Swga" on account number "XXXxxxx". Collection agency [?] Crburswga Original balance [?] $90 Current balance [?] $90 Status [?] Not Reported Date assigned [?] Jun 01, 2003 Date reported [?] Aug 01, 2003 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Med1 Practice Plus Of Swga Account number [?] XXXxxxx Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported ... View more

Here is a repost that I hope looks a lot better. These are my Accounts. I will post my collections next. Capital One Bank Usa Na Status as of [?] Apr, 2008 Date opened [?] Jul, 2001 Date of last activity [?] Aug, 2002 Date paid out [?] Not Reported Date closed [?] Jun, 2003 Account number [?] XXXXXXXXXXXX Loan type [?] Credit Card Credit limit [?] $200 Largest past balance [?] $902 Terms [?] Not Reported Account Type [?] Revolving Account Account holder [?] Individual Account Scheduled payment amount [?] Not Reported Account status [?] Account is Closed Descriptions [?] * Canceled by credit grantor American Express Status as of [?] Sep, 2006 Date opened [?] Jan, 2004 Date of last activity [?] May, 2005 Date paid out [?] Not Reported Date closed [?] Sep, 2005 Account number [?] XXXXXXXXXXXXXXXXXX Loan type [?] Credit Card Credit limit [?] Not Reported Largest past balance [?] $1,891 Terms [?] Not Reported Account Type [?] Open Account Account holder [?] Individual Account Scheduled payment amount [?] Not Reported Account status [?] Account is Closed Descriptions [?] * Canceled by credit grantor Capital One Bank Usa Na Status as of [?] Apr, 2008 Date opened [?] Mar, 2001 Date of last activity [?] Aug, 2002 Date paid out [?] Not Reported Date closed [?] Apr, 2003 Account number [?] XXXXXXXXXXXX Loan type [?] Credit Card Credit limit [?] $200 Largest past balance [?] $650 Terms [?] Not Reported Account Type [?] Revolving Account Account holder [?] Individual Account Scheduled payment amount [?] Not Reported Account status [?] Account is Closed Descriptions [?] * Canceled by credit grantor Applied Bank Status as of [?] Nov, 2006 Date opened [?] May, 2001 Date of last activity [?] Aug, 2002 Date paid out [?] Not Reported Date closed [?] Dec, 2002 Account number [?] XXXXXXXXXXXX Loan type [?] Credit Card Credit limit [?] $400 Largest past balance [?] $899 Terms [?] Not Reported Account Type [?] Revolving Account Account holder [?] Individual Account Scheduled payment amount [?] Not Reported Account status [?] Account is Closed Descriptions [?] * Profit and loss writeoff Hsbc Bank Status as of [?] May, 2005 Date opened [?] Jun, 2001 Date of last activity [?] Aug, 2002 Date paid out [?] Aug, 2002 Date closed [?] Feb, 2003 Account number [?] XXXXXXXXXXXX Loan type [?] Credit Card Credit limit [?] $0 Largest past balance [?] Not Reported Terms [?] Not Reported Account Type [?] Revolving Account Account holder [?] Individual Account Scheduled payment amount [?] Not Reported Account status [?] Account is Closed Descriptions [?] * Purchased by another lender Washmtl/Prov Status as of [?] Sep, 2004 Date opened [?] Jan, 1999 Date of last activity [?] Sep, 2004 Date paid out [?] Sep, 2004 Date closed [?] Mar, 2003 Account number [?] XXXXXXXXXX Loan type [?] Credit Card Credit limit [?] $2,900 Largest past balance [?] $4,321 Terms [?] Not Reported Account Type [?] Revolving Account Account holder [?] Individual Account Scheduled payment amount [?] Not Reported Account status [?] Account is Closed Descriptions [?] * Purchased by another lender Wells Fargo Financial Status as of [?] Nov, 2004 Date opened [?] Mar, 1994 Date of last activity [?] Not Reported Date paid out [?] Not Reported Date closed [?] Nov, 2004 Account number [?] XXX Loan type [?] Automobile Credit limit [?] Not Reported Largest past balance [?] $14,108 Terms [?] 60 Monthly Account Type [?] Installment Account Account holder [?] Individual Account Scheduled payment amount [?] $388 Account status [?] Account is Closed Descriptions [?] * Paid profit and loss ... View more

@hotsauce wrote: I just joined myfico after being turned down for a home loan. I've had all the ups and down one might imagine. But now its time to buckle down and get this thing working again. So here are my questions: I have access to ~30k in cash, so do I pay off collections and if so which ones? The most current, oldest, all of them? I also have several account from like 1999, 2001 and 2002 that were charged off as bad debit, what should I do about those?? I also have a a tax lien from 2001 that went to Judgment and I plan on paying it off next week. Is this the right choice?? My current FICO with TU is 517, and I have to say I'm embarrassed as one can be considering how much money I make. I'm open to any and all suggestions, and I'm even willing to PM my info to someone for advice. Thanks advance!!!! OK Team here is my info, I have no idea where to start. What does "Unrated or bankruptcy mean? I've never filed bankruptcy. I've listed both Accounts and what I guess are "active" collections. I truly appreciate all your comments and advice I've received up to this point!!! Accounts Listed and Status Company Date opened Balance Status Ge Money Bank/Chevron Pl 7/2007 $238 Paid or paying as agreed Bank Of America 6/2007 $3,409 Paid or paying as agreed Capital One Bank Usa Na 7/2001 $2,052 Charged off as bad debt American Express 1/2004 $1,891 Collection account Capital One Bank Usa Na 3/2001 $1,344 Charged off as bad debt Applied Bank 5/2001 $899 Charged off as bad debt Hsbc Bank 6/2001 $0 Charged off as bad debt Washmtl/Prov 1/1999 $0 Charged off as bad debt Credit Card Chevron 7/2007 $0 Paid or paying as agreed Navy Federal Cr Un 3/2003 $0 Unrated or bankruptcy Mortgage Wells Fargo 9/2000 $0 Paid or paying as agreed Mortgage Litton Loan 7/1999 $0 Paid or paying as agreed Mortgage Ocwen Loan 5/2002 $0 Unrated or bankruptcy Vehicle Loan Gmac 9/2000 $0 Paid or paying as agreed Vehicle Loan Bmw Financial 11/2000 $0 Unrated or bankruptcy Vehicle Loan Ford Motor 1/2007 $33,044 Paid or paying as agreed Vehicle Loan Primus Finan 8/2001 $4,983 Paid or paying as agreed Vehicle Loan Wells Fargo 3/1994 $0 Payment after charge off/collection This account has late payments in the past Vehicle Loan Automobile Ac 10/2002 $0 Paid or paying as agreed Vehicle Loan Americredit 2/2001 $0 Paid or paying as agreed Vehicle Loan Regional Acce 2/1999 $0 Paid or paying as agreed ----------------------------------------------------------------------------- Collection Accounts: Collection on debt to: 01 Era Acquisitions Inc The collection agency "Elite Rcy Sv" was hired to collect a debt of $1,172 originally owed to "01 Era Acquisitions Inc" on account number "XXX6350". Collection agency [?] Elite Rcy Sv Original balance [?] $1,172 Current balance [?] $1,172 Status [?] Not Reported Date assigned [?] Jan 04, 2007 Date reported [?] Mar 15, 2008 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] 01 Era Acquisitions Inc Account number [?] XXX6350 Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: 10 Cox Communications Chantilly The collection agency "Crdt Ctrl Co" was hired to collect a debt of $331 originally owed to "10 Cox Communications Chantilly" on account number "XXXXXX0789". Collection agency [?] Crdt Ctrl Co Original balance [?] $331 Current balance [?] $331 Status [?] Not Reported Date assigned [?] Mar 12, 2007 Date reported [?] Jul 19, 2007 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] 10 Cox Communications Chantilly Account number [?] XXXXXX0789 Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: Med1 02 Radiologic Assoc Of Fred Lt The collection agency "Fcb" was hired to collect a debt of $79 originally owed to "Med1 02 Radiologic Assoc Of Fred Lt" on account number "XXXXXXXXXXXXX0111". Collection agency [?] Fcb Original balance [?] $79 Current balance [?] $79 Status [?] Not Reported Date assigned [?] May 18, 2005 Date reported [?] Jul 18, 2005 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Med1 02 Radiologic Assoc Of Fred Lt Account number [?] XXXXXXXXXXXXX0111 Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: 01 Tonys Westside Athletic Club The collection agency "Union Cr Alb" was hired to collect a debt of $414 originally owed to "01 Tonys Westside Athletic Club" on account number "XX3729". Collection agency [?] Union Cr Alb Original balance [?] $414 Current balance [?] $414 Status [?] Not Reported Date assigned [?] Mar 22, 2004 Date reported [?] May 21, 2004 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] 01 Tonys Westside Athletic Club Account number [?] XX3729 Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: Mitchell Electric Membership The collection agency "Crburswga" was hired to collect a debt of $463 originally owed to "Mitchell Electric Membership" on account number "XXX2261". Collection agency [?] Crburswga Original balance [?] $463 Current balance [?] $463 Status [?] Not Reported Date assigned [?] Sep 23, 2003 Date reported [?] Nov 30, 2003 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Mitchell Electric Membership Account number [?] XXX2261 Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: Med1 Practice Plus Of Swga The collection agency "Crburswga" was hired to collect a debt of $121 originally owed to "Med1 Practice Plus Of Swga" on account number "XXX3646". Collection agency [?] Crburswga Original balance [?] $121 Current balance [?] $121 Status [?] Not Reported Date assigned [?] Sep 08, 2003 Date reported [?] Oct 31, 2003 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Med1 Practice Plus Of Swga Account number [?] XXX3646 Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported Collection on debt to: Med1 Practice Plus Of Swga The collection agency "Crburswga" was hired to collect a debt of $90 originally owed to "Med1 Practice Plus Of Swga" on account number "XXX1038". Collection agency [?] Crburswga Original balance [?] $90 Current balance [?] $90 Status [?] Not Reported Date assigned [?] Jun 01, 2003 Date reported [?] Aug 01, 2003 Date last active [?] Not Reported Date paid [?] Not Reported Date closed [?] Not Reported Original lender [?] Med1 Practice Plus Of Swga Account number [?] XXX1038 Type of account [?] Not Reported Account holder [?] Individual Type of credit [?] Not Reported Payment status [?] Not Reported Largest past balance [?] Not Reported Amount past due [?] Not Reported Account descriptions [?] Not Reported ... View more

@pattycake wrote: Welcome to the forums!!! Keep lurking, asking questions, and posting and you'll bring up your score by following the advice of these good people. Do you have current copies of all your CRs? Hey Patty! Thanks for the quick response. I have the one from TU. I thought I signed up for the one that gave me all three but I was so excited I chose the quarterly monitoring. ... View more