I pulled my credit reports and have been reviewing them. Working on paying all of them off. I am like the rest of you just sick of it and can not wait to get these monkeys off my back. My question is cleaning up my credit report. The things that are hurting me are four 30 day lates and my utilization.
TransUnion Experian Equifax
Total Accounts 35 35 32
Open Accounts 24 21 26
Closed Accounts 11 14 6
Delinquent 0 0 0
Derogatory 0 0 0
My FICO scores are in the 650's
I have an account called Hsbc/Saks
Status Feb. 2008
Date Opened Aug. 1999 30 day late 2003
Date of last Activity Jan. 2005
Chase 7/2006
Date of Last Activity 04/06
Account Closed at consumers Request
Paid account/ zero balance
30 day Sept. 2004
Bank of America Mortgage
Status November 2008
Date Opened Jan. 1999 30 day late January 2005
Also I have a Bank Credit Card with a 30 day late paid off. I believe it was late Sept. 2004.
I talked to the Mortgage company today and they told me unless it was the Banks fault they could do nothing about this. It wasn't.
I don't have the account number on Saks and am not for sure what to do with this.
My question is what do you suggest and how long until they drop off. Is there anything I can do with the Mortgage Company. You would think with the mortgage crisis and all the defaults/foreclosures etc. they would be willing to help just a little on a 30 day late. They just didn't seem willing at all.
Thanks for any help.
