I am reading so many conflicting ideas/advice, I am completely overwhelemed and I have no clue what to do next. Our goal is to raise our credit scores in as quickly as we can. I realize neither one of us really have any revolving credit- and we will need to do something on that front to raise scores as well.. however my question is pertaining to our credit reports. I have listed the "goodies" from them, in hopes someone will take the time to look it over, and give their opinion on what steps we can take to raise our credit scores the fastest. (I realize because of legal reasons things cant be taken or given as financial advice yada yada). Should we try and settle/pay some of them in return for them being deleted? Write dispute letters to any of them? What ones? What can we do about the mountain of medical bills in collections? (We went through a few year period where we didn't have insurance for us or our children and now we're paying for it bad). What can we do about the the CA medical ones that are obvious duplicates on my CR? ANything else?
I tried to make this as easy as possible to read.....
This is going to be long... but this is mine and my husbands basic credit reports. We are looking for what we can do to raise our scores the fastest.
=======================start his=================================
FICO score pulled from LO 490 on 3/11/2011
Student Loans
#1
Original Balance: $7581
Balance: $4748
Past Due: (it's not past due)
Status:
Account: Open
Date Placed: 09/2002
Estimated Removal Date: n/a
Misc: In Dec 2009 he was 120+ days late and in Dec of 2011 he was 120+ days late - otherwise it's been paid on time
#2
Original Balance: $2500
Balance: $2194
Past Due: (it's not past due)
Status:
Account: Open
Date Placed: 09/1997
Estimated Removal Date: n/a
Misc. In March 2009 it was 120 days past due, In Oct of 2009 it was 90 days past due, in December of 2010 it was 120 days past due.
#3
Original Balance: $2000
Balance: $1755
Past Due: (it's not past due)
Status:
Account: Open
Date Placed: 09/1996
Estimated Removal Date: n/a
Misc. in March 2009 it was 120 days past due, in October 2009 it was 90 days past due, in December 2010 it was 120 days past due.
Bankruptcy & Court Judgements
None =)
Medical Bills in Collections (with collection agencies)
#1
Original Balance: $528
Balance: $528
Past Due: $528
Status: Collection
Account: Open
Date Placed: 09/2008
Estimated Removal Date: n/a
Misc. n/a
#2
Original Balance: $320
Balance: $320
Past Due: $320
Status: collection
Account: TransUnion shows it as OPEN, Experian shows Closed, Equifax has it left blank on this heading
Date Placed: 12/2007
Estimated Removal Date: n/a
Misc. n/a
#3
Original Balance: $512
Balance: $512
Past Due: $512
Status: collection
Account: TransUnion shows it as OPEN, Experian shows Closed, Equifax has it left blank on this heading
Date Placed: 09/2010
Estimated Removal Date: n/a
Misc. n/a
#4
Original Balance: $291
Balance: $291
Past Due: $291
Status: collection
Account: TransUnion shows it as OPEN, Experian shows Closed, Equifax has it left blank on this heading
Date Placed: 05/2009
Estimated Removal Date: n/a
Misc. n/a
#5
Original Balance: $344
Balance: $0
Past Due: $344
Status: collection
Account: closed
Date Placed: 08/2010
Estimated Removal Date: n/a
Misc. n/a
#6
Original Balance: $157
Balance: $0
Past Due: $157
Status: collection
Account: closed
Date Placed: 08/2008
Estimated Removal Date: n/a
Misc. n/a
#7
Original Balance: $168
Balance: $0
Past Due: $168
Status: collection
Account: closed
Date Placed: 10/2007
Estimated Removal Date: n/a
Misc. n/a
"other" Debts
#1
Original Balance: $244
Balance: $244
Past Due: $244
Status: collection
Account: open
Date Placed: 10/2004
Estimated Removal Date: n/a
Misc. This only shows up on TransUnion, and it does not list an Original Creditor or say what it's for. It was from Minnesota, which has a 6 year SOL
#2
Original Balance: $137
Balance: $137
Past Due: $137
Status: collection
Account: TransUnion shows it as OPEN, Experian shows Closed (Equifax doesn't have it reported on it)
Date Placed: 01/2008
Estimated Removal Date: n/a
Misc. n/a
#3
Original Balance: $137
Balance: $137
Past Due: $137
Status: collection
Account: open
Date Placed: 01/0001
Estimated Removal Date: n/a
Misc. Yes, on the credit report it really lists the year as 0001 .....
#4
Original Balance: $528
Balance: $528
Past Due: $528
Status: collection
Account: Tclosed
Date Placed: 09/2008
Estimated Removal Date: n/a
Misc. n/a
#5
Original Balance: $32
Balance: $32
Past Due: $32
Status: collection
Account: Experian shows OPEN shows CLOSED (it's not reported on TU)
Date Placed: 01/2010
Estimated Removal Date: n/a
Misc. n/a
#6
Original Balance: $
Balance: $195
Past Due: $
Status: collection
Account: open
Date Placed: 11/2007
Estimated Removal Date: n/a
Misc. n/a
=======================end his / start mine=====================
FICO pulled from LO on 3/11/2011 was 551
Student Loans
I have two totaling about $9,000. They are both in deferrment, because I am still in school and showing "Paid as agreed upon" on all three credit reports.
Bankruptcy & Court Judgements
#1
Original Balance: $????
Balance: $6177
Past Due: ????
Status: n/a
Account: n/a
Date Filed: 05/2007
Estimated Removal Date: 05/2014
Misc. They have a withholding order and take my state taxes every year
#2
Original Balance: $????
Balance: $3092
Past Due: $????
Status: n/a
Account: n/a
Date Filed: 01/2006
Estimated Removal Date: 12/2012
Misc. They have a witholding order and take my state taxes every year
Medical Bills in Collections (with collection agencies)
#1
Original Balance: $46
Balance: $46
Past Due: $46
Status: collection
Account: open
Date Filed: 09/2010
Estimated Removal Date: 01/2017
Misc.
#2
Original Balance: $248
Balance: $248
Past Due: $248
Status: collection
Account: open
Date Filed: 12/2005
Estimated Removal Date: 03/2012
Misc.
#3
Original Balance: $62
Balance: $62
Past Due: $62
Status: collection
Account: open
Date Filed: 04/2006
Estimated Removal Date: 10/2012
Misc.
#4
Original Balance: $73
Balance: $73
Past Due: $73
Status: collection
Account: open
Date Filed: 05/2006
Estimated Removal Date: 10/2012
Misc.
#5
Original Balance: $220
Balance: $220
Past Due: $220
Status: collection
Account: open
Date Filed: 10/2009
Estimated Removal Date: 01/2016
Misc.
#6
Original Balance: $220
Balance: $220
Past Due: $220
Status: collection
Account: open
Date Filed: 10/2009
Estimated Removal Date: 01/2016
Misc. This is an exact duplicate of the one above it (#5)… same CA, same Original Creditor, Same dates- I am thinking somehow this is a duplicate?
#7
Original Balance: $252
Balance: $252
Past Due: $252
Status: collection
Account: open
Date Filed: 10/2009
Estimated Removal Date: 03/2016
Misc.
#8
Original Balance: $252
Balance: $252
Past Due: $252
Status: collection
Account: open
Date Filed: 10/2009
Estimated Removal Date: 03/2016
Misc. This is an exact duplicate of the one above it (#7)… same CA, same Original Creditor, Same dates- I am thinking somehow this is a duplicate?
#9
Original Balance: $176
Balance: $176
Past Due: $176
Status: collection
Account: open
Date Filed: 10/2009
Estimated Removal Date: 03/2016
Misc.
#10
Original Balance: $244
Balance: $244
Past Due: $244
Status: collection
Account: open
Date Filed: 12/2010
Estimated Removal Date: 06/2017
Misc.
#11
Original Balance: $244
Balance: $244
Past Due: $244
Status: collection
Account: open
Date Filed: 12/2010
Estimated Removal Date: 06/2017
Misc This is an exact duplicate of the one above it (#10)… same CA, same Original Creditor, Same dates- I am thinking somehow this is a duplicate?
#12
Original Balance: $28
Balance: $28
Past Due: $28
Status: collection
Account: open
Date Filed: 10/2010
Estimated Removal Date: 01/2017
Misc.
#13
Original Balance: $944
Balance: $944
Past Due: $944
Status: collection
Account: open
Date Filed: 09/2010
Estimated Removal Date: 11/2016
Misc.
#14
Original Balance: $100
Balance: $100
Past Due: $100
Status: collection
Account: open
Date Filed: 09/2010
Estimated Removal Date: 01/2017
Misc.
#15
Original Balance: $237
Balance: $237
Past Due: $237
Status: collection
Account: open
Date Filed: 08/2010
Estimated Removal Date: 12/2016
Misc.
#16
Original Balance: $144
Balance: $144
Past Due: $144
Status: collection
Account: open
Date Filed: 10/2005
Estimated Removal Date: 02/2012
Misc. SOL in my state is 6 years- so this one is getting close to that date
“other” Debts
#1
Original Balance: $4
Balance: $39
Past Due: $39
Status: collection
Account: open
Date Filed: 08/2007
Estimated Removal Date: 02/2012
Misc.
#2
Original Balance: $11
Balance: $46
Past Due: $46
Status: collection
Account: open
Date Filed: 09/2007
Estimated Removal Date: 04/2014
Misc.
#3
Original Balance: $246
Balance: $305
Past Due: $301
Status: collection
Account: open
Date Filed: 04/2006
Estimated Removal Date: 06/2011
Misc. This one comes off in June…….
#4
Original Balance: $85
Balance: $54
Past Due: $54
Status: collection
Account: open
Date Filed: 03/2008
Estimated Removal Date: 11/2014
Misc.
#5
Original Balance: $122
Balance: $0
Past Due: $0
Status: collection
Account: CLOSED 02/2008
Date Filed: 07/2007
Estimated Removal Date: 02/2014
Misc. Can I do anything to get it off, after I’ve paid it and it’s been closed?
=====================end mine========================
Good Luck to You.