Thank you to everyone on this forum, With out all the help, questions, and answers I think I would still be feeling very intimidated by my credit score and future.
A brief run down of my situation, I had terrible credit, managed to secure credit cards and loans, and continued to not value my credit. Nothing to crazy but enough to put me in a bad spot. Luckily a lot fell off to to SOL. so here's where I am at currently (some of this information is from credit karma and some from Equifax ).
Equifax as of 1/14/16 I am at 500 that is however +4 from 12/26/15 with 6 inquiries and 1 unknown public record.
5 Accounts
- First Premier NO LATES PIF
- Honor Finance 5 LATES (Auto loan)
- Jared NO HISTORY CLOSED PIF (CC)
- OPEN/COLLECTIONS Honor Finance WITH 6 LATES (Auto loan) Balance $4163.00
- OPEN/COLLECTIONS First premier WITH 3 LATES (CC) Balance $462/$300 Limit
3 Open Collections
- Bureau of Med Econs (MEDICAL BILL)
- BYL Collection Service (UTILITY)
- National Credit Systems (Apartment)
Trans as of 1/14/16 I am at 477 up from 474 on 12/26/16 with 3 inquiries and 3 public records 1 paid.
3 Accounts
- First Premier NO LATES PIF
- Honor Finance (Auto loan) Balance $4163.00
- First premier Balance $462.00/$300.00 Limit
4 Open Collections
- Bureau of Med Econs (MEDICAL BILL $259.00)
- BYL Collection Service (UTILITY $295.00)
- National Credit Systems (Apartment $3859.00)
- CMRE (Medical Bill $1009.00)
Experian as of 1/13/16 I am at 487 up from 485 on 12/26/16 with 3 inquiries and 1 public record paid.
4 Accounts
- First Premier NO LATES PIF
- First premier Balance $462.00/$300.00 Limit
- Honor Finance (Auto loan) Balance $4163.00 18 LATES
- Honor Finance (Auto loan) Balance $0 11 LATES
5 Collections
- Bureau of Med Econs (MEDICAL BILL $259.00)
- BYL Collection Service (UTILITY $295.00)
- National Credit Systems (Apartment $3859.00)
- CMRE (Medical Bill $1009.00)
- 1st Finl Invstmnt Fun (Medical $256.00)
Like i said, there isn't a lot on there but what is has seemed to kill my score. I have managed to get a few deleted through TransUnion . I also have gotten HONOR FINANCE to agree to a reduced amount of $3000.00 for a PIF and correction of payment History with a $0 Balance. I am not sure what letter to send however since the conservation was over the phone. Should I send a GW letter?
As for the National Credit Systems account, whats the best way to handle this debt, it is for an apartment I lived in that I was evicted from, so it is showing up under public records as well as with this account.
Is there a trick to navigating First premier? Or are they just impossible to deal with? The account that was closed and PIF with no late payments was in 2013 and the open account with a balance is from 2010.
Also any general information on what or what not to do would be welcomed.
Thank you all in advance!!
