Inquiry for 12 months
Total: 2 At&T& Roadloans
Total:2 Collection agencies:
Collection 1 is medical
Original balance:$176
Current balance:$176
Status:Unpaid
Date assigned
ep 01, 2009
Date reported:Nov 01, 2009
Date last active:Nov 01, 2008
Collection 2 is medical
Original balance:$38
Current balance:$38
Status:Unpaid
Date assigned:Feb 01, 2009
Date reported:May 01, 2009
Date last active:Nov 01, 2008
Car Loan. Account 1
Car Lender Company
Status as of: Mar, '10.
Date opened: Mar,'09
Date of last activity: Mar,'10,
Largest past balance:$5,483
Terms: 28months
Scheduled payment amount: $260
$3,947 left.
Pays account as agreed
NEVER LATE, ALWAYS ON TIME.
Sallie Mae student loan Account 2
Sallie Mae
Status as of :Aug, 2009
Date opened:Jul, 2003
Date of last activity:Jun, 2008
Scheduled payment amount:$60
Largest past balance:$875
23 times 90+days non-payments
Claim filed with government
Balance paid or being paid by insurance company
Child Support Account 3
Attygenerl
Status as of :Mar, 2010
Date opened:Oct, 2004
Date of last activity:Feb, 2010
Scheduled payment amount:$25
$0 Pays account as agreed
30 days late:0 times
60 days late:0 times
90+ days late:0 times
Your history of paying bills on time.
Amount of debt
Your total amount of outstanding debt.
Length of credit history
How long you've had credit.
Amount of new credit
Amount of credit you've recently obtained or applied for.
571 score
So that's 2 inquiries, 2 collections, 3 accounts, 1 account with balance.
Expedian
Now with Experian it looks worse. It shows late payments of medical health insurance for child support because I wasn't working, but it shows a green check because I've been paying again ever since again since 2008. It shows 1 120 days or late mark.
There's a double post on my student loan(disputed to have taken off) I'm paying on right now, with 1 more payment to get send it to someone else. Payment 8 right now I think. Will be paying all in full since it's with the Government. I have another student loan that is a charge off and will fall off my record on January 2011.
Also the 2 medical records posted above on the Equifax report but I have a 3rd one for $276 which I will be paying also.
My car loan that's still in good standings with no late payments and I've been with them for a year this month.
there are 9 potentially negative items in your report
You have 1 accounts in good standing in your report
563 score
I also haven't owned a credit card in my life so I'm 100% credit and 0% debt. I gross about $2300 a month, take home about $2,000 and pretty much all I listed besides car insurance and cell bill, child support(not health child support) is all I pay. So about a $1,000 in total monthly bills.
It's also not my Social Security number and most of the names listed are close to mine but aren't correct, 3 of 6 are right. Also 2 of the addresses that are the same aren't mine either. Mine are on there but it's not all of them.
All of this might be my dads doings back before I was even 18 and didn't know he was using my name for credit purposes.
The last report I haven't received yet. So how can I boost my credit higher by at most August 2010? I've heard of the medical way to do it and doing PFDs and of course dispute. But if all fails, what can I do? My theory was to pay my car balance by late June, pay the medical collections and attempt to get it off my credit, continue paying the student loan I'm paying and paying it off by late July then get it deleted. By then I'll be at 7 years for credit history and my only really bad mark is the charge off that's falling January 2011.
Now, I first received credit at 18,(student loan) now I'm 25 and tired of my high interest 24% car and want another one but a much bigger loan.
@Anonymous wrote:So how can I boost my credit higher by at most August 2010? I've heard of the medical way to do it and doing PFDs and of course dispute. But if all fails, what can I do? My theory was to pay my car balance by late June, pay the medical collections and attempt to get it off my credit, continue paying the student loan I'm paying and paying it off by late July then get it deleted. By then I'll be at 7 years for credit history and my only really bad mark is the charge off that's falling January 2011.
Now, I first received credit at 18,(student loan) now I'm 25 and tired of my high interest 24% car and want another one but a much bigger loan.
you can probably get your scores up, BUT: if you don't get the negatives off, you probably won't get a better interest rate, & it will be pretty hard to get a bigger loan. just because your negatives are so recent 
also, i don't understand your comment about 7 years of history. how long your credit history is, doesn't affect your bad marks. your bad marks come off 7 years AFTER they got put on, not when your history gets to be 7 years old. does that make sense? i know it's kind of confusing.