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 It was listed 4/12 and paid 1/13- I would love to have this withdrawn completely but not sure if MD will do this.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!!
