Here's what my file looks like:
Collections:
1700 medical bills from aug 2009. I think I can probably pay the OC, but it's 2k and I don't want to do it unless I have to
588 utility bill from 11/07. Tried PFD, etc. and nothing's worked.
1300 collection from 12/07 for my CO cc. I'm in contact w/ a lawyer now, because they've done so many violations. Hopefully that will go away.
3 PRIVATE SL defaults that I discuss below.. Listed as seperate TLs from 9/09
paid collection for cell 11/06. I've asked them to remove, disputed as obsolete, etc. but nothing so far.
On one report, I have 5 very small medical collections (total $800) from 2007. I will pay those w/ the OC if I must.
TU score 610
EQ score 589
I will be paying off ALL of my revolving credit in January, so my util will go from very high to like 1%. (I will keep a tiny bit on a card).I know paying my util down will be a big boost, but what else should I do? Do you think that will be enough? Will my lates crossing the 2 year mark do anything? I'm going to write more GWs, etc. but I
want to see real traction ASAP. I know that my private SL defaults are a bit of an issue, but I also know that a payment plan makes it likely that FHA or USDA financing will be possible.
ANY input would be greatly appreciated!!
| Gemb/Jc Penney | 2/2005 | $162 | Paid or paying as agreed |  | 50% utilization, was 60 days late in June 09 | |
 Household Bank/Suzuki | 2/2006 | $0 | Paid or paying as agreed | No | ||
| Citi Cards/Cbsd Na | 2/2004 | $3,054 | Paid or paying as agreed | | 87% util, was 90 days late in April 09 | |
| Credit Union CC | 11/2010 | $442 | Paid or paying as agreed | No | 50% util | |
| Capital One Bank Usa Na | 7/2011 | $184 | Paid or paying as agreed | No | 65% util | |
| Barclays Bank Delaware | 7/2005 | $0 | Payment after charge off/collection | No | CO. I've emailed them offering to pay, we'll see what happens. DVs, etc. all ineffective. Only $250. | |
| Shell/Citibank Cbna | 10/2005 | $0 | Paid or paying as agreed | No | Details | |
 Chase Manhattan Mortgage | 3/2005 | $0 | 120 days past due | | Foreclosure initiated, I sold (NOT short sale) before that happened, in June 2007 | |
 MatcO Tools | 2/2007 | $0 | Paid or paying as agreed | | was 120 late in Dec 2008. PIF now. | |
| MatcO Tools | 12/2006 | $0 | Paid or paying as agreed | No | ||
 Dept Of Ed/Sallie Mae | 11/2009 | $7,589 | Paid or paying as agreed | No | Deferment for next 2 years | |
| Dept Of Ed/Sallie Mae | 7/2010 | $6,291 | Paid or paying as agreed | No | Deferment for next 2 years | |
| Dept Of Ed/Sallie Mae | 7/2010 | $4,500 | Paid or paying as agreed | No | Deferment for next 2 years | |
| Dept Of Ed/Sallie Mae | 8/2011 | $3,011 | Paid or paying as agreed | No | Deferment for next 2 years | |
| Dept Of Ed/Sallie Mae | 11/2009 | $2,711 | Paid or paying as agreed | No | Deferment for next 2 years | |
| Dept Of Ed/Sallie Mae | 8/2011 | $2,250 | Paid or paying as agreed | No | Deferment for next 2 years | |
| Dept Of Ed/Sallie Mae | 11/2009 | $1,117 | Paid or paying as agreed | No | Deferment for next 2 years | |
| Aes/Nct | 2/2006 | $0 | 120 days past due | | PRIVATE SL default. All three add up to $23k. Have been on payment plan for past 2 years, no missed payments. | |
| Aes/Nct | 8/2005 | $0 | 120 days past due | | ||
| Aes/Nct | 6/2005 | $0 | 120 days past due | | ||
| Fedloan Servicing | 7/2010 | $0 | Paid or paying as agreed | No | ||
| Fedloan Servicing | 7/2010 | $0 | Paid or paying as agreed | No | ||
| Citizens Equity Fcu | 2/2003 | $0 | Paid or paying as agreed | | Was 30 days late in April 2009. PIF after that. | |
 Capital One Auto Finance | 12/2010 | $20,228 | Paid or paying as agreed | No | We refi this for a lower payment in Jan | |
| Bmo Harris Bank N.A. | 8/2006 | $4,175 | Paid or paying as agreed | No | Will have this PIF in January | |
| Amcore Bank | 10/2005 | $0 | Paid or paying as agreed | No | ||
| American Honda Finance C | 8/2004 | $0 | Paid or paying as agreed | No |
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