Starting a thread for personal use to easily keep track of our progress on re-building my boyfriend's credit. He was previously engaged and had multiple joint accounts, a mortgage and so forth... so his credit is pretty messy. His ex fiance used to take care of finances so he doesn't know what half the things being reported are even about. Yay for making this even more difficult!
He currently has no Fico score as he hasn't had any credit activity since 2009.
Current Accounts:
5th 3rd Bank Secured CC (opened 3/1/2016) *not yet reporting* - $400 limit
Charged-off Accounts:
Chase / Bank One -
Balance: $0
High balance: $651
Credit limit: $300
Remarks: Purchased by another lender; transferred to another office. Does this mean it wasn't paid and debt was sold?
Fall off date: 3/2016
Foreclosure:
GMAC Mortgage -
Fall off date: 9/2016
Paid Collections: will send goodwills for removal
Alliance One Receivable - $135. (Fall off date 10/2017) | waiting to send GW to since he has an unpaid collection from them as well.
Alliance One Receivable - $846. (Fall off date: 02/2016) | ^^
American Collection Corp - $22. (Fall off date: 04/2014) | GW sent 3/12/13
Heller & Frisone - $294. (Fall off date: 8/2013 .. this year!) | GW sent 3/12/13
Northwest Collectors - $120. (Fall off date: 02/2014) | GW sent 3/12/13
Unpaid Collections: will PFD when funds available
Alliance One Receivable - $159. (Fall off date: 02/2017)
Contract Callers Inc - $419. (Fall off date: 09/2017)
Monco Law Offices - $708. (Fall off date: 12/2016)
