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...