I have finally had enough and started the deep dive in the abyss which is my credit report. Since I have been working on it my score has gone up and down and round and round. It's like watching the stock market and is starting to drive me crazy. My goals are high and my score is ehhhh. Any advice from those who have managed to swim to the top is greatly appreciated.
Here are my stats currently:
CK score: TU 588/ EQ 533
This has jumped up and down quite a few times this month
Fico score: 8/4 EQ 610/TU 595/EX 596
Same jump around here
Beginning score: 7/20
EQ 627/ TU 601/ EX 639
Now for the meat and potatoes....
Forgive me as I am kind of new to this.
% of available credit being used is 83% ( this is not reporting the new cap1 card I was just issued with a $3k cl)
Negative accounts:
Most of these happened when i had to close my business 
Planet green Llc - charged off last reported 1/1/16
Great plains lending - charged off last reported 1/1/16
Cap1 (1st card) 30/60 sent of a letter of goodwill recently and just got a call back denied. Card is in good standing that was from early 2016
Dade county federal credit union- account was paid and closed but was 30 days late 12/13
Planet home lending- current mortgage shows foreclosure status on ex but paid as agreed on EQ and TU. It is not in foreclosure status.
Flagstar bank- account was transfered to Planet home so this is closed (4 late payments)
Credit one bank- charge off
Navient- student loan - account was 120 past due thought it was in a deferral status. Just called them to make sure it is now.
Collection accounts:
ATT direct TV- this one pisses me off because I canceled this $92 LR 1/17
Portfolio- $7700
Public storage- $1200
Midland funding- $1800 LR 1/16
Medical- $86
Payment History
Your history of paying bills on time
35% of a FICO Score
You have 6 account(s) showing 30+ days late
Amount Of Debt
Your total amount of outstanding debt
30% of a FICO Score
You're utilizing 83% of your available credit
Length Of Credit History
How long you've had credit
15% of a FICO Score
Your average age of accounts is 113 month(s)
Amount Of New Credit
Amount of credit you've recently obtained or applied for
10% of a FICO Score
The age of your most recently opened account is 27 month(s)
I really would like to clean this up. I am a single mom with a son in college now and want to live a sort of stress free life from major debt and younger mistakes. I would like to get better rates and be able to have the pick of the litter with cc's.
My cs goals are to get to 750 across the board!
