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credit score 500 help please

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liz9100
Regular Contributor

credit score 500 help please

TransUnion FICO® Score On January 24, 2008 Total past due [?] Credit history [?] Late payments [?] $432 past due on 18 accounts 13 Years 12 Total balance of Your revolving accounts [?] $3,600 Your mortgages [?] $0 Your installment loans [?] $8,972 Total number of Accounts [?] 18 Accounts with balances [?] 10 Accounts opened in past year [?] 5 Recent inquiries [?] 3 Collections [?] 3 Public Records [?] 0 Company Account number Date opened Balance Status Paid Late? Peach Direct/Gemb XXXXXXXXXXXX 5/2007 $1,823 OK No Details Gemb/Jc Penney XXXXXX 4/2007 $542 OK No Details Target National Bank XXXXXXXX 5/1996 $0 Payment after charge off/collection No Details Target National Bank XXXXX 5/1996 $0 Unrated or bankruptcy Details Union Bank Of California XXXXXXXXX 8/2006 $600 Charged Off Details Hsbc Bank XXXXXXXXXXXX 12/2006 $232 OK No Details First Premier Bank XXXXXXXXXXXX 5/2007 $231 OK No Details First Premier XXXXXXXXXXXX 12/2006 $172 OK No Details Hsbc Bank XXXXXXXXXXXX 4/2004 $0 Payment after charge off/collection No Details Capital One Bank XXXXXXXXXXXX 8/1996 $0 OK No Details Accubanc Mortgage XXXXXX 8/1998 $0 OK No Details Citibank Na XXX 3/2007 $980 Unrated or bankruptcy No Details Citibank Na XXX 5/2006 $619 60 days past due Details Direct Loan Svc System XXXXXX 5/2006 $0 OK No Details Citibank Na XXX1 3/1997 $0 OK No Details Family Support Div Santa XXXXXXXXX 10/1994 $128 OK No Details American Gen Fin XXXXXXXXXXXX 9/2007 $7,373 OK No Details American Gen Fin XXXXXXXXXXXXX 12/2006 $0 OK No Details Collection on debt to: Maric College Modesto 007 The collection agency "Pinnacle Fin" was hired to collect a debt of $2,094 originally owed to "Maric College Modesto 007" on account number " Collection agency [?] Pinnacle Fin Original balance [?] $2,094 Current balance [?] $2,094 Status [?] Not Reported Date assigned [?] Sep 11, 2007 Date reported [?] Dec 17, 2007 Original lender [?] Maric College Modesto 007 Account number [?] Account holder [?] Individual Collection on debt to: 10 Pb Pacbell The collection agency "American Agc" was hired to collect a debt of $650 originally owed to "10 Pb Pacbell" on account number Collection agency [?] American Agc Original balance [?] $650 Current balance [?] $1,228 Status [?] Not Reported Date assigned [?] Sep 30, 2004 Date reported [?] Dec 04, 2007 Original lender [?] 10 Pb Pacbell Account number [?] Account holder [?] Individual Collection on debt to: Med1 12 Kaiser 68 Clinic Collection agency [?] Global Pay Original balance [?] $37 Current balance [?] $0 Status [?] Not Reported Date assigned [?] Jun 30, 2002 Date reported [?] Dec 29, 2006 Date paid [?] Nov 21, 2002 Date closed [?] Dec 29, 2006 Original lender [?] Med1 12 Kaiser 68 Clinic Account number My goal is 750 score does anyone have idea on how to raise this from the 500 to the 700 area. Citi bank removing lates they made a mistake. Plus I have lexington Law helping me. Which removed 33 accounts to date. About half were being 7 years anyway. I sent out GW letters to Target only to see how well that works. Thanks for all your advise..........
Everyone above 610...
Message 1 of 7
1 ACCEPTED SOLUTION

Accepted Solutions
marty56
Super Contributor

Re: credit score 500 help please

It is hard to read your post.  Please list the account info on a single line.
 
Anyway The best way to raise your score is to first always pay on time.
 
If you have credit cards with outstanding balances, you need to pay the balance down so the utilization is under 10%. .
 
Also if you are lookig for new credit, check out www.whogavemecredit,com and www.financeglobe.com to see what cards are available to you based on your score.
 
As far as how long it will take to get to 750, my guess is that it wont happen if you have any serious negative information on yiur credit report like collections or charge offs.  There are smart people here who can better advise you on that and how to deal with them.
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 2 of 7
6 REPLIES 6
marty56
Super Contributor

Re: credit score 500 help please

It is hard to read your post.  Please list the account info on a single line.
 
Anyway The best way to raise your score is to first always pay on time.
 
If you have credit cards with outstanding balances, you need to pay the balance down so the utilization is under 10%. .
 
Also if you are lookig for new credit, check out www.whogavemecredit,com and www.financeglobe.com to see what cards are available to you based on your score.
 
As far as how long it will take to get to 750, my guess is that it wont happen if you have any serious negative information on yiur credit report like collections or charge offs.  There are smart people here who can better advise you on that and how to deal with them.
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 2 of 7
dieselcafe
Contributor

Re: credit score 500 help please


@marty56 wrote:
It is hard to read your post.  Please list the account info on a single line.
 
Anyway The best way to raise your score is to first always pay on time.
 
If you have credit cards with outstanding balances, you need to pay the balance down so the utilization is under 10%. .
 
Also if you are lookig for new credit, check out www.whogavemecredit,com and www.financeglobe.com to see what cards are available to you based on your score.
 
As far as how long it will take to get to 750, my guess is that it wont happen if you have any serious negative information on yiur credit report like collections or charge offs.  There are smart people here who can better advise you on that and how to deal with them.

My post always comes in one long para. event when I doubled space it. How can I separate one para to the next/
Message 3 of 7
bamagirl1
Established Contributor

Re: credit score 500 help please

liz9100-did lexington law help you??  how long have you been w/them? do you have bk on file?
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 4 of 7
bamagirl1
Established Contributor

Re: credit score 500 help please

what do you pay per month also liz 9100?
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 5 of 7
liz9100
Regular Contributor

Re: credit score 500 help please

I have already had close to 40 removed to date. I ended up first using the cheapest package they had. Then I moved up a better package. They better package is worth the money.It only been 6 months and my score would of been a lot hire if 3 collection didn't pop up from no where land.
 
Am not very good at writing letters or waiting for things. So I really needed there help and you can email and call them a lot. I was shock to find my score drop when collection and my chapter 13 came off.
 
I did get a Jc penny card with no help and it was for 600.00 then another account though Ge for 2100.00 all alone.
Everyone above 610...
Message 6 of 7
liz9100
Regular Contributor

Re: credit score 500 help please

I triied those web pages given to me. I put my husband information in. Not mine just to see what happens. Well, he got a card for 5500.00 and I had hope they had a joint card. I just wanted a free ride but they didn't. I did get to touch the card LOL and I get a disneyland trip out of it. Other wise it back to work on my credit score. My husband has requested all my bills be paid off before I apply for anything else. He right so I plan on paying everything off it won't take me long to do this....
Everyone above 610...
Message 7 of 7
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