Hey everyone! Long time lurker first time poster. My wife and I just found out that she is pregnant and would like to get a house within the next year. Like most, when I was younger, I made some bad choices with credit and really had no idea how important it would be the older I got. This is where myFICO's wonderful community comes in!!
Below is the "Potentially Negative Items" from my exp CR. The other 3 match it to a tee. My fico score is right around 552 as of 7.11.10. I have since been approved for a Capital One card with a $500 limit, which they will increase to $750 if 3 months of payments are made on time. I have also just been approved for an Orchard Bank HSBC credit card with a $200 limit. Neither of these are showing on my CR as of yet. I opened these to hopefully increase my open TL.
Can anyone give me any advice on how to handle the below items to best increase my score? Any help would be greatly appreciated!!!
I have written GW letters to Capital One and JCPenney, but have not yet sent them off.
Capital One (Older Account)
Status:
Closed. 
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Date of Status: |
Reported Since: |
Last Reported Date: |
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Terms: |
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High Balance: |
Recent Balance: |
Recent Payment: |
Account History:
30 days past due as of Feb 2008, Nov 2007 Balance History:
Limit High Balance History:
Between Jul 2008 and Nov 2009, your credit limit/high balance was $300
Your Statement:
Account closed at consumer's request.
Chase (Had Providian CC bought by WaMu bought by Chase)
Status:
Transferred,closed. $220 written off.
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Date of Status: |
Reported Since: |
Last Reported Date: |
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Terms: |
Monthly Payment: |
Responsibility: |
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High Balance: |
Recent Balance: |
Recent Payment: |
Creditor's Statement:
Purchased by another lender.
Account History:
Charge Off as of Jul 2008, Jun 2008
150 days past due as of May 2008
120 days past due as of Apr 2008
90 days past due as of Mar 2008
60 days past due as of Feb 2008
30 days past due as of Jan 2008, Apr 2004
Your Statement:
Account closed at consumer's request.
JCPenney
Status:
Paid,Closed.
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Date of Status: |
Reported Since: |
Last Reported Date: |
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Terms: |
Monthly Payment: |
Responsibility: |
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High Balance: |
Recent Balance: |
Recent Payment: |
Account History:
90 days past due as of Oct 2007
60 days past due as of Sep 2007
30 days past due as of Aug 2007
Your Statement:
Account closed at consumer's request.
RFCU (Open Loan)
Status:
Open.
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Date of Status: |
Reported Since: |
Last Reported Date: |
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Terms: |
Monthly Payment: |
Responsibility: |
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High Balance: |
Recent Balance: |
Recent Payment: |
Account History:
30 days past due as of Apr 2010, Mar 2010, Aug 2009 to Oct 2009, Oct 2008 to May 2009, Jan 2008 Balance History:
Limit High Balance History:
The original amount of this account was $7,592
Your Statement:
N/A
US BANK (Auto Loan)
Status:
Open.
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Date of Status: |
Reported Since: |
Last Reported Date: |
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Terms: |
Monthly Payment: |
Responsibility: |
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High Balance: |
Recent Balance: |
Recent Payment: |
Account History:
60 days past due as of Sep 2009, Aug 2009, May 2009, Feb 2008, Nov 2007
30 days past due as of Apr 2010, Mar 2010, Nov 2009, Oct 2009, Jul 2009, Jun 2009, Apr 2009, Feb 2009, Dec 2008, Oct 2008, Jun 2008, Jan 2008, Dec 2007, Oct 2007 Balance History:
Limit High Balance History:
The original amount of this account was $16,900
Your Statement:
N/A
US Bank
Status:
Account charged off. $405 written off.
Status Details:
This account is scheduled to continue on record until Oct 2015.
This item was verified and updated on Jun 2009.
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Date of Status: |
Reported Since: |
Last Reported Date: |
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Terms: |
Monthly Payment: |
Responsibility: |
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High Balance: |
Recent Balance: |
Recent Payment: |
Account History:
Charge Off as of Apr 2009 to Jul 2010
90 days past due as of Mar 2009
60 days past due as of Feb 2009
30 days past due as of Jan 2009, Oct 2007 Balance History:
Limit High Balance History:
The original amount of this account was $3,075
Your Statement:
N/A
