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in the process of trying to clean my credit to be able to live w/o my credit score holding me back from life!
currently:
TU- 573
EX- 589
EQ- 530* not sure this is correct, on my fico listed as 530 but on EQ site it is 579
Here is my breakdown any feedback much appreciated.
credit history 12 year
I have paid tax lien $2174 state of MD. It was listed 4/12 and paid 1/13- I would love to have this withdrawn completely but not sure if MD will do this.
Revolving $500 w/$29 balance (just opened secured card and reported this week)
line of credit $250/$0. My balance is current $0 however all 3 CR list @ $250/$250
install:
car loan (w/4 30D lates) Current now and will keep paying on time
LOC 1 30D late from 3/13- with my CU and was going to try to GW
3 other loans that had w/CU all closed, paid in full and 0 lates
past car loan listed pays as agreed closed but has 2 60D and 10-12 (depends on report) 30D late
car loan paid as agreed with no lates
collections:
TU/EX. I/C systems $212 10/13. Vet bill my EX should have paid.
TU. Credit collections 2 of them 1@ $97 and 1@ $126 I have sent 2 DV letters since Jan and they have not responded
All 3. Enhanced recovery $703. 6/14 for Sprint. Also sent DV letters and have not heard back
EQ. 1st point collections $459 5/14. Hospital bill
EQ. 1st point collections $514 10/14. Hospital ER used out of network DR
EX. Universal collection. $382. 4/13. ER room
EX. CreditColl USA. $40 12/12. Medical and they refuse PFD no matter what
all 3. National hospital coll $247 12/10 PAID 8/12. They refuse PFD and multiple GW request via phone, email and USPS
all 3. National hospital coll $10 4/13. PAID 5/14. Same as above refuse to help and remove
I know I have listed a bunch of stuff here but any help or suggestions would be very much appreciated. I am not sure what to do on open things.. I do know no matter what I will make all current installments on time from here on out.
Thank you in advance!!
bump
Establishing the Secured card should start pushing you up. I would suggest getting another credit card within a month or two, if you can't get approved for unsecured, get another secured card. Avoid the predatory/vulture cards like Credit One, First Premier, OpenSky, etc. They will hold you back more than they will help. Instead, I would suggest apping for Capital One. They are just about the best 'builder' cards you can get.
Keep working the derogs off, if they say no, ask again. Keep asking, until they get sick of you.
Thank you