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Any advice will be great. Here goes...
I am trying to clean up my credit report. Here is what I have:
JCP
Good Standing
CL: $500
Current Balance: $380.70
Emerge:
Good Standing...I closed it years ago, but still pay on it (probably was a mistake)
CL: $1500
Current Balance: $748
AMEX
Good Standing
I am a second card holder
*Since this is a charge card, I'm not sure how having this card is beneficial for me.
COLLECTION ACCOUNTS:
TransUnion/Equifax/Experian:
Reporting 4 Medical Bills Totaling: $1179
University of Phoenix $1298.22
Reporting on Experian and Equifax
*ACCT is with collection Agency as of June 2011. They want to settle at $389.47
What I want to do is:
1.Pay down JCP and EMERGE to show low balances
2.Stop using AMEX or figure out best way to use it to benefit increase of report
3.Get collection accounts paid in full AND deleted off of my report.
Questions:
1. What should I do first?
-Pay down JCPand pay down EMERGE and see if I can get acct re-opened OR pay collection accts?
What's hurting me the worst, is my truck payment. I have alot of late payments. I just totaled the vehicle, so it will be paid off in full by GAP by the end of this month.
Please help! I'm 30 and trying to get my financial life in order NOW.
Thanks in advance
try to get any collections companies to agree to delete the tradeline in exchange for payment. then i would pay off the closed account that still has a balance. closed account showing a balance cant be good, but i dont know that for sure.
So, go after collections first. Then pay off the closed credit card account.
What about seeing about opening it back up? I really don't care for the AMEX car bc I don't see how it benefits my credit score. And I want a revolving credit card.