So I have 4 baddies left on my credit reports
1) 1095 medical board of economics.. Reporting to all three bueaus.. I know for a fact they will PFD
2. 585 Revsolve this is a medical collection debatable weather they will PFD.. However i did speak to orginal creditor who advised if I paid them in full they would get it off my credit report.. reporting to all three
3. 285 lab corb.. only reporting to transunion
3 5,000 this is to a real estate management company(we vacated early due to buying a house ) only reporting to tu and ex. in dispute as they are trying to charge me for fake damages.
If i pay the first two then i should have a totally clean equifax report. Right now while money is not tight we are saving to go on a much deserved vacation. My CC utilization is now 6 percent down from 50% because I have worked two jobs to get it paid off..We are going on vacation in June.. Husband thinks i should wait til after vacation to pay them off. I however want at least one clean bureu(wont be totally clean because i have seveal student loan lates from 20111 that should drop off in october). my navy fed cc limit is 24,000 and currently have 1000 charged on it. Would i be killing all the hard work i have done if I bit the bullet and just paid the first two off using my card.. my utilization would still be under 10%. However we are going on vacation and this card was one of the cards I planned on using while traveling. Or should i just suck it up and wait til we get home from vacation? The thought of no collection accounts with one CRA excites me so much...2 years ago i had about 10!
