I looked over all 3 credit reports and they need medical attention ASAP! Ive spent the entire summer PAYING PAYING PAYING DEBT!!! Nothings left over from my check to do anything with! Yet, my credit looks worse than ever. Its like paying my bill collectors didnt do jack squat. So I am looking over these credit reports and dont know where to start from.
I have 37 lines of reports... alot of them are multiples because i pulled 3 reports and they didnt line up correctly... some of them are paid in full but show up badly... others i am good on my payments but they report bad with one credit company but great on the next... others are months late for reporting that i am caught up on payments... others i paid off in full but hasnt been updated.... wow its a freaking mess... I even have one that is 8 years old.... i thought the limit was 7 years?!?!?!
WHERE DO I START????
Starting Score: 515 Open USDOE/GLELSI | |||
| Account Name: | No match found. | No match found. | USDOE/GLELSI |
| Account #: | 114075XXXX | ||
| Payment Status: | Paid or paying as agreed | ||
| Account Type: | Installment Loan | ||
| Balance: Show Detail | $22179 | ||
| Experian | Equifax | TransUnion | |
Open US DEPT OF ED/GLELSI | |||
| Account Name: | US DEPT OF ED/GLELSI | US DEPT. OF EDUCATIO | No match found. |
| Account #: | 114075XXXX | 114075XXXX | |
| Payment Status: | Current | Pays account as agreed | |
| Account Type: | Installment Loan | Unknown | |
| Balance: Show Detail | $22179 | $22179 |
Above is an example... It doesnt show it but on the first line there is a RED EXLAMATION mark for the student loan... which im in grace atm.... and on the second line both credit beaurors show it in good standing... can i fix this?
When I hover on the red exlamation mark it says "LATE" but when i click on the 24 month payment history... its all green and shows no lates!
I may have been late once a very long time ago. I took a semister off and they never notified me that my payments started and by the time I resolved it I had already started the next semister.
Okay got ya... so even if all the other 83/84 ontime payments look good.. then that one late will make it all look bad
Next question:
This is the oldest thing on my report
9 YEARS OLD AND CLOSED... what should I do about this? I thought it had to fall off after 7 years
| Account Name: | No match found. | No match found. | HEARTLND B&T |
| Account #: | 180500008712XXXX | ||
| Payment Status: | Paid or paying as agreed | ||
| Account Type: | Installment Loan | ||
| Balance: Show Detail | $0 |
This is the same one but shows the date...
| Account Name: | No match found. | No match found. | HEARTLND B&T |
| Account #: | 180500008712XXXX | ||
| Payment Status: | Paid or paying as agreed | ||
| Account Type: | Installment Loan | ||
| Balance: | $0 | ||
| Date Open: | 05/07/2003 | ||
| Last Updated: | 01/20/2004 | ||
| Account Status: | Closed | ||
| Terms: | 12 Months | ||
| Phone #: | No Phone Provided |