So I am feeling a little overwhelmed at the moment. I would like to buy a house but I need to increase my score to qualify. As suggested I applied and was approved for a Capital One card which boosted my credit 22 points in the first month. My current standings EQ 604 EX 590 TU 579. I signed up with Sky Blue because they have a 90 day money back guarentee but I just received a suspicious letter in the mail from Experian. Now Sky Blue wants a copy of my license or ss card which I do not feel comfortable sending. So I thought the community might have some great advice for me. Below is what is listed on my report from Experian. Some things are listed twice as the orginal creditor and then as a collection agency. Not sure how that works.
Bank of America
opened 1997
status: closed
I settled an amount on this card. I didn't even know it was still open as I figured they closed it when I settled which I believe was in 2012. There is also another BofA card listed in good standing but was closed. It was all the same account. Not sure why it is listed separate.
closed at credit grantor request feb 2015 last reported 2/2015
Citi Cards/Citibank
opened 2003
status: paid, closed
closed at credit grantor request 2010 last reported 2010
Debt Recovery Solutions Verizon California
Type Debt Buyer
Collection account $147 past due as Nov 2014 last reported 11/2014
reported since June 2014
I contacted Verizon with this account and they have no information. I still have Verizon California but a different account at the same address.
Verizon (same account as listed above by Debt recovery)
Account charged off $147 written off
opened 11/2008 Last reported 01/2014
EOS CCA AT&T mobility
Status: Collection account $156 last reported 7/2015
opened 8/2012
It says the account was disputed by consumer (Meets the requirements of Fair Credit Reporting Act} but I have not disputed it.
Fidelity Ceditor Serv Primex Clinical Laboratories
Collection account $21 last reported 7/2015
opened 8/2012
Grant & Weber Huntington Hospital
Collection account $100 last reported 12/2012
Opened 09/2012
Liberty Creditor Service Primex Clinical Laboratories
Collection account $19 12/2012 last reported 6/2015
Collection account $39 11/2013 last reported 6/2015
Portfolio Recovery Associates GE Capital (Banana Republic)
Collection account $369 Last reported 7/2015
Opened 9/2012
SYNC/Banana Rep (original Banana Republic Card…above is collection from this card).
Closed. $369 written off Purchased by another lender
last reported 10/2012
Macy’s account
30 days past due as of Feb 2015, May 2014, Feb 2014, Aug 2012
Accounts in good standing
BofA card that was closed. Paid, Never late. 1995-2007
Capital One Open, Never late 6/2015
Care Credit Paid, Never late. account closed at grantor request because I wasn't using it. Nov 2009-Feb2011
Citibank Paid, Closed/Never late. 2001-2008
Wings FCU paid, Closed/Never late 2007-2009. Closed because I wasn't using it.
3 auto loans, Paid, Never late
I am open to paying my debt. That is not a problem. I went through some hard times and now trying to rebuild things. Just wondering what the best way to go about things. Thank you for taking the time to read this and offering any help 
@Anonymous wrote:So I am feeling a little overwhelmed at the moment. I would like to buy a house but I need to increase my score to qualify. As suggested I applied and was approved for a Capital One card which boosted my credit 22 points in the first month. My current standings EQ 604 EX 590 TU 579. I signed up with Sky Blue because they have a 90 day money back guarentee but I just received a suspicious letter in the mail from Experian. Now Sky Blue wants a copy of my license or ss card which I do not feel comfortable sending. So I thought the community might have some great advice for me. Below is what is listed on my report from Experian. Some things are listed twice as the orginal creditor and then as a collection agency. Not sure how that works. EX suspects you are using a credit repair agency. They want proof that the disputes are coming from you and have requested ID documents. If you want Sky Blue to continue working on it, send them. Personally, I don't recommend using credit repair companies.
Bank of America
opened 1997
status: closed
I settled an amount on this card. I didn't even know it was still open as I figured they closed it when I settled which I believe was in 2012. There is also another BofA card listed in good standing but was closed. It was all the same account. Not sure why it is listed separate.
closed at credit grantor request feb 2015 last reported 2/2015
Citi Cards/Citibank
opened 2003
status: paid, closed
closed at credit grantor request 2010 last reported 2010
Debt Recovery Solutions Verizon California
Type Debt Buyer
Collection account $147 past due as Nov 2014 last reported 11/2014
reported since June 2014
I contacted Verizon with this account and they have no information. I still have Verizon California but a different account at the same address.
Verizon (same account as listed above by Debt recovery)
Account charged off $147 written off
opened 11/2008 Last reported 01/2014
EOS CCA AT&T mobility
Status: Collection account $156 last reported 7/2015
opened 8/2012
It says the account was disputed by consumer (Meets the requirements of Fair Credit Reporting Act} but I have not disputed it.
Fidelity Ceditor Serv Primex Clinical Laboratories
Collection account $21 last reported 7/2015
opened 8/2012
Grant & Weber Huntington Hospital
Collection account $100 last reported 12/2012
Opened 09/2012
Liberty Creditor Service Primex Clinical Laboratories
Collection account $19 12/2012 last reported 6/2015
Collection account $39 11/2013 last reported 6/2015
Portfolio Recovery Associates GE Capital (Banana Republic)
Collection account $369 Last reported 7/2015
Opened 9/2012
SYNC/Banana Rep (original Banana Republic Card…above is collection from this card).
Closed. $369 written off Purchased by another lender
last reported 10/2012
Macy’s account
30 days past due as of Feb 2015, May 2014, Feb 2014, Aug 2012
Accounts in good standing
BofA card that was closed. Paid, Never late. 1995-2007
Capital One Open, Never late 6/2015
Care Credit Paid, Never late. account closed at grantor request because I wasn't using it. Nov 2009-Feb2011
Citibank Paid, Closed/Never late. 2001-2008
Wings FCU paid, Closed/Never late 2007-2009. Closed because I wasn't using it.
3 auto loans, Paid, Never late
I am open to paying my debt. That is not a problem. I went through some hard times and now trying to rebuild things. Just wondering what the best way to go about things. Thank you for taking the time to read this and offering any help
Apply for a second Capital One card. Then try to get a third card from another lender. You may have to go secured but thats fine. Once your scores improve you will be able to get some unsecured cards and you can close it.