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Account Type Collection
Terms 1 Month
Date Opened 04/01/2013
Account Status Closed
Payment Status Late
Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status Updated 07/01/2014
Past Due Amount $530.00
Original Creditor HSBC BANK NEVADA N.A.
Original Amount $530.00
I can't get any of my scores past the low 600s. I don't know what else to do and need some advice. I know PRA won't do PFD, but is it worth just paying it and will it stop reporting as late and will that help? Same mentality with the Cap1, should I pay it off and will it stop reporting as late?
I'm not sure what I need to do to increase my score. US Bank wont graduate my secured to unsecured due to low score.
My goals are: ability to get a mortage within next 2 years and get a good revolver with great travel benefits. Any thoughts?
@Anonymous wrote:Looking for some advice here on what are the best steps to improve my profile.The Good:US Bank Secured $5000 (12 months)US Bank Secured $2000 (16 months)CAP1 QS1 $2000 (9 months)4 Paid Auto Loans showing $0 balance and PaidJust opened Alliant Secured Loan for $500 and paid down to low utilization, just waiting for it to hit my reports.Keep utilization around 5-10% each month on CC.No late payments on any of the above accounts.High yearly income.The Bad:CAPITAL ONE BANK USA NDate Opened03/01/2009Account StatusClosedPayment StatusLatePayment Status DetailsCharge-offStatus Updated01/01/2013Past Due Amount$1,486.00Portfolio RecoveryAccount Type Collection
Terms 1 Month
Date Opened 04/01/2013
Account Status Closed
Payment Status Late
Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status Updated 07/01/2014
Past Due Amount $530.00
Original Creditor HSBC BANK NEVADA N.A.
Original Amount $530.00
I can't get any of my scores past the low 600s. I don't know what else to do and need some advice. I know PRA won't do PFD, but is it worth just paying it and will it stop reporting as late and will that help? Same mentality with the Cap1, should I pay it off and will it stop reporting as late?
I'm not sure what I need to do to increase my score. US Bank wont graduate my secured to unsecured due to low score.
My goals are: ability to get a mortage within next 2 years and get a good revolver with great travel benefits. Any thoughts?
Get the Cap One charge off settled....