Exp fico score 550 with lots of information

[liz9100]

I will list each account and how it reports. On myfico.com

1. Jc penny account transferred 3/11.
2. Peach Tree transferred 7/10
3. Gecrb paid no lates
4.cap one good 500.00 limit at limit.
5. Cap one same as above.
6. 2 first premier paid collections.
7. First bank trans to other 9/09
8.mabt purchased by nother lender 120 days late.
9.cap one closed 3 30 day lates. 5/13
10. Cap one closed 1 30 day late. 4/12
11.citi bank credit card closed 1 30 day late. 1/13
12.gecrb collection paid off but show lates untill final installment paid on collection. 3/14.
13. Alliance paid no bal or credit limit shown.
14salie mae bal. 3942.00 0 lates
15. Nelnet bal. 2054.00 no lates.
16. 3 us dep of education loans refin.
17. Nelnet paid no lates.
18. Citi no bal paid.
19. Citi no bal paid.
20. Verzon collection unpaid 934.00 3/14
21. Roger paid no lates 9/08
22. Wells dealership 6 lates 7755.00 bal loan amount 11,000.
23. Springleaf refin paid 9/07
24. Springleaf paid no lates 7/11
25. Discovery no balance just got.
26. Us bank no bal just got.
27. Springleaf personal loan 3000.00 just got.




2 collection at cb of merchants 506. June 2012.
Then paid 93.00 12/09.

17 years credit history
31 accounts
With bal 9
Open past year 10
Recent inquires 5
Collection 2

Question what can i do to raise my score. I found out on othet report. One student loan show up limit 800.00 bal 1700. I must raise my score up tp 750 soon.

[alvon123]

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@liz9100 wrote:
I will list each account and how it reports. On myfico.com

1. Jc penny account transferred 3/11.
2. Peach Tree transferred 7/10
3. Gecrb paid no lates
4.cap one good 500.00 limit at limit.  Pay this off ASAP (this is hurting utilization and score)
5. Cap one same as above. Pay this off ASAP (this is hurting utilization and score)
6. 2 first premier paid collections. send Goodwill letter to remove lates
7. First bank trans to other 9/09
8.mabt purchased by nother lender 120 days late.
9.cap one closed 3 30 day lates. 5/13 If you have a balance send PFD letters, If no balance send goodwill leter to remove lates
10. Cap one closed 1 30 day late. 4/12 If you have a balance send PFD letters, If no balance send goodwill leter to remove lates
11.citi bank credit card closed 1 30 day late. 1/13 send Goodwill letter to remove lates
12.gecrb collection paid off but show lates untill final installment paid on collection. 3/14. send Goodwill letter to remove lates
13. Alliance paid no bal or credit limit shown.
14salie mae bal. 3942.00 0 lates
15. Nelnet bal. 2054.00 no lates.
16. 3 us dep of education loans refin.
17. Nelnet paid no lates.
18. Citi no bal paid.
19. Citi no bal paid.
20. Verzon collection unpaid 934.00 3/14 send PFD letter
21. Roger paid no lates 9/08
22. Wells dealership 6 lates 7755.00 bal loan amount 11,000.
23. Springleaf refin paid 9/07
24. Springleaf paid no lates 7/11
25. Discovery no balance just got.
26. Us bank no bal just got.
27. Springleaf personal loan 3000.00 just got.




2 collection at cb of merchants 506. June 2012.
Then paid 93.00 12/09.

17 years credit history
31 accounts
With bal 9
Open past year 10
Recent inquires 5
Collection 2

Question what can i do to raise my score. I found out on othet report. One student loan show up limit 800.00 bal 1700. I must raise my score up tp 750 soon.

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Pay down or pay off  both Cap one cards to see an improvement in score because of  your high utilization.

Next send pay for delete letters to  all accounts that are negative and showing a balance.

Also send Goodwill letters to all acconts that are paid but showing lates.

[liz9100]

Thank you for your time. Do you or anyone else know who to send letters to? I know am asking a lot but I do appreciate your help.

[liz9100]

I just got the bank address for peach direct and Jc Penny.

[liz9100]

Alvon123

Your great advise and my new app on my phone. Called checks has raised my eq score from 550 to 587. I only paid down half my capitol one accounts. Feeling very excited inside. Will check other scores in 1 hour am at work waiting to run out to my car. To grab my debt card...... Thank you will post more in an hour. My drop a little next month because of new credit before your advise. I know in 6 months it will raise again... No more credit apps for a year...

[liz9100]

All since 4/13/14