Hello All,
I have had some good success recently increasing my credit score and have a few items i am not sure what to do with. As of now I have one CC that I just paid down to less than 15% utilization. I also have a deliquency which i am saving to do a PFD within the next 3 months. Here is a list of all other negs from TU. I am just looking for advice on what to do with these at this point. Leave them alone, try for EE...?
CAPITAL ONE BANK USA NA
Date Opened: 06/14/2004
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $0
Date Updated: 11/25/2014
Last Payment Made: 03/29/2010
High Balance: $1,329
Credit Limit: $1,000
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed: 12/08/2010
>Maximum Delinquency of 120 days in 09/2010 and in 10/2010<
Account Sale Info: ACCOUNT SOLD TO PORTFOLIO RECOVERIES ASSOCIATE
Remarks: DISP INVG COMP-RPT BY GRNTR; PURCHASED BY ANOTHER
CHASE/BANK ONE CARD SERV
Date Opened: 06/05/2007
Responsibility: Authorized Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $0
Date Updated: 02/06/2011
Payment Received: $0
Last Payment Made: 04/16/2010
High Balance: $5,467
Credit Limit: $5,000
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed: 03/19/2010
>Maximum Delinquency of 120 days in 08/2010 for
$573 and in 01/2011<
Remarks: ACCOUNT CLOSED BY CONSUMER; PURCHASED BY ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE
Estimated month and year that this item will be removed: 01/2017
HSBC BEST BUY
Date Opened: 08/09/2008
Responsibility: Joint Account
Account Type: Revolving Account
Loan Type: CHARGE ACCOUNT
Balance: $0
Date Updated: 12/15/2010
Payment Received: $0
High Balance: $3,456
Original ChargeOff: $3,105
Credit Limit: $2,500
Pay Status: >Account paid in Full; was a charge-off<
Terms: Paid Monthly
Date Closed: 07/26/2010
>Maximum Delinquency of 120 days in 09/2010 and in11/2010<
Account Sale Info: ACCOUNT SOLD TO S P
Remarks: ACCT INFO DISPUTED BY CONSUMR; PURCHASED BY ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE
Estimated month and year that this item will be removed: 04/2017
CAVALRY PORTFOLIO SVCS
Placed for collection: 07/02/2013
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION AGENCY ATTORNEY
Balance: $0
Date Updated: 11/11/2013
Last Payment Made: 07/30/2013
Original Amount: $3,456
Original Creditor: HSBC BANK NEVADA
Pay Status: >Account Paid in Full; was a collection<
Date Closed: 11/11/2013
Date Paid: 07/30/2013
Remarks: >SETTLED-LESS THAN FULL BLNC<; >PAID COLLECTION<
Estimated month and year that this item will be removed: 05/2017
PORTFOLIO RECOVERY
Placed for collection: 12/13/2010
Balance: $0
Date Updated: 06/01/2012
Pay Status: >Account Paid in Full; was a Collection<
Responsibility: Individual Account
Account Type: Open Account
Loan Type: FACTORING COMPANY ACCOUNT
Last Payment Made: 02/21/2011
Original Amount: $1,023
Original Creditor: CAPITAL ONE
Date Closed: 03/18/2011
Date Paid: 02/21/2011
Remarks: >SETTLED-LESS THAN FULL BLNC<; >PAID COLLECTION<
Estimated month and year that this item will be removed: 05/2017
Any advice toward increasing my credit score by other ways is also appreciated. My FICO scores are around the 640's, 1 CC w/ 1250 limit, almost 20 installment loans (school through SM/Navient/DoE), no auto loans, mortgages or judgments.
Thanks in advance.
