In need of ADVICE on rebuilding

[Anonymous]

First off my credit is horrible, I haven't done anything positive with it in years and have numerous accounts that are in collections and are unpaid. Anyone with credit knowledge please advice on which account I should start working on first in example oldest first, newest first, highest balance, etc.

Current FICO EQ 453   TU 469    EX 462

[Anonymous]

have you started by pulling your 3 credit reports?

[Anonymous]

Yes I have pulled all three reports

[Anonymous]

Please list everything so the experts can guide you. List all you're baddies.

[gdale6]

I would start with newer problems as they affect score more than older ones just be mindful if they are within SOL that they can still use the court system to get a judgement so you dont want to contact them if you dont have the funds to settle it. Also if you dont have any open revolving CCs now you want to get 3 ASAP to help drive your Fico and begin the rebuild. You will prob have to go secured but thats ok. Open Sky you can get without a credit check. Welcome to the board

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/td-p/3846302

[Anonymous]

Thanks! I've been using this forum forever for informational purposes, finally decided to get my credit on the road!

I have around 9 medical C/O's
I have a car loan that has been C/O since 06/2014 I still have the car as well. They have never tried to repo.
I have a three other accounts that are from check collectors for small amounts of $80 $80 and $55.
One C/O from Sprint for $1200
One C/O from Charter "cable company" for $786
One C/O from Gulf states "electric bill" for $743
One C/O from a payday lender for $875

Total unpaid debts minus the car loan are around 9k medical bills have 60% of that total.

I owe 15k on the auto loan.

Some accounts were assigned all the way back to 2011 others just this last year 2015.

I knew getting some credit cards would be a great start so I applied for a secured card with my bank which goes through Elan with a 500 limit it hit my credit a couple days ago, I applied with cap one secured the same day as my bank and was denied which was at the beginning of Dec, re applied for cap 1 today and was approved for secured card. My credit union offered me a secured share loan for 500 dollars and another 500 secured card. So I figured 3 secured cards with 2000k total limits and a 500 installment loan would be a great start.

Now the baddies where do I start????

Dates of collection and amounts due:  

Status Activty Date on Auto loan is 11/2015 its showing me with 90+ days late for the last 17 months! OUCH!!! Date opened: 03/2014 Last Activity: 06/2014 High Balance $11,475.00 Current balance: $15,068.00

03/2011= Medical- $168.00

03/2011= Medical- $450.00

01/2012= Medical- $1,014.00

02/2012= Light bill- $763.00

08/2012= Paliance- $80.00

08/2012= Paliance- $80.00

01/2013=Medical- $35.00

01/2013=Medical- $25.00

01/2013= Medical-$25.00

09/2013= Medical- $622.00

09/2013= Medical- $2,418.00

08/2014= Sprint Cell- $1,253.00

08/2014= Netcheck- $55.00

01/2015= Check Advance- $875.00

04/2015= Medical- $678.00

09/2015= Cable Bill- $796.00