Hello all,
I am new to this site and learning so much; everybody is so knowledgable. During my college years I got myself into a financial mess. Now, at age I am trying to rebuild my credit so I canbuild a strong future. I don't know where to begin. These are most of the negative items on my report.
Any advice on how/where to begin would be appreciated.
My current myFICO score is 637.
WFNNB/NY&C
balance $0
closed (paid)
settled less than full
reported 9/27/2011
CAP ONE
balance $0
closed (paid)
Payment after charge off/collection
Canceled by credit grantor
reported 03/09/08
First Premier
Balance $0
closed (paid)
Charged off as bad debt
Profit and loss write-off
reported 10/10/08
FST USA BK B
Balance $0
Account closed by consumer
reported 01/01/03
CITI
Balance $0
Open (I have no idea what this is)
reported 10/18/05
Bank of America
Balance $0
paid (closed)
Settled - less than full balance
late 120 days
reported 03/04/11
MI/BMOHARRIS (I do not know what this is)
Balance $0
Credit card lost or stolen
reported 8/1/02
CITI
Balance $0
Account closed by consumer
reported 6/1/03
ARROW FINCL
(premier Bank Card)
Balance $0
Settled - less than full balance
reported 8/5/09
Oct, 2011 FICO 637
March, 2012 FICO 662
Goal:750
