I am not sure if I should post this here or on the General Credit section so I did both Hope some one can help me out with this.
I just joined a Credit Union (NCSECU). They pull from Equifax. I have the following on my EQ report. Do you think I will have a shot at alone or CC with a decent CL?
BK (Ch.7) 8/2000
Collection 10/2006 Reported 07/2007 161.00
Collection 5/2007 Reported 8/2007 52.00
Collection 02/2007 Reported 8/2007 169.00
Presidio 12/2001 Last pymt 10/2001 1015.00
Americredit 05/2004 Last pymt 04/2005 BAlance 7023.00 Charged off 8099.00
I would like to barrow enough to pay off my CC's and these collections accounts above. EQ is by far my worst report and my score there is 581 wont seem to budge. I had all my colletions that I new of paid off. My EX and TU look so much better than this one. Plus I have a ton of inquires on my reports as well.
My EQ is 581 and that is what the lady at the CU said they pull. I do have good accounts as well but thought the bad ones were the ones that would stop me. As far as we knew we had paid all the collection that were out and were even able to have them removed then the next thing I know we have these 3 here just show up. The one for 52.00 the CA called me at work and I told them I was trying to find a number for them or the OC as I did not even know who or what this was. He said he would get right back to me and never called again. The other Collections are for the same hospital as well and I have a letter from them that my balance is -0- . But I am willing to pay them if they will remove them. EQ just wont turn loose of the Judgement. I had that removed from my other 2 reports and all 3 of my husbands but EQ wont do it til 9/2009 they said. I even sent them a letter from Wells Fargo that it should be removed to being Vacated.