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FICO score increased by 80 points in 4 months

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Anonymous
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Re: FICO score increased by 80 points in 4 months

They have been sent to collections a long time ago

Message 11 of 13
Anonymous
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Re: FICO score increased by 80 points in 4 months

attempt a PFD (pay for delete) if they dont agree, Pay in full and send GW letters (good will) What collections agencies are they?

Message 12 of 13
Anonymous
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Re: FICO score increased by 80 points in 4 months

So, here is all the nasty things on my credit report

 

$911 Owed to Directv, disputed right away -FIRST NATIONAL COLLECTION BUR

$4K Owed to a apartment complex? -NATIONAL CREDIT SYSTEMS INC

$526 owed to Capitol One, disputed right now - PORTFOLIO RECOVERY ASSOCIATES

$822 owed to Sprint, will be disputing-PORTFOLIO RECOVERY ASSOCIATES

 

That's all the bad stuff I have on my report, biggest issue is the apartment complex which I will be disputing.

 

TU is showing 545, Equifax is showing 539, FICO at 588

 

Is this salvagable? I have 3 rotating cards, and a car loan. I have made all my payments on time for all of my open accounts. What do you guy's think about the sitation? 

Message 13 of 13
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