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In need of some advice...

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belvictoria
New Contributor

In need of some advice...

Hello All,

 

Thanks in advance for taking the time to read my post Smiley Happy

 

So this will be my second attempt to repair my credit, my first attempt was back in '08 and I was successful but had to stop due to getting married and relocating for my husband's job anyway, I pulled my CR and it appears that my collection accounts have dropped off and I now have an EX score of 617. My CR shows 0 Collection accounts, 2 accounts in good standing and 4 student loans in deferment, so I was thinking now would be a good time to apply for credit to help my credit score, since I have no open accounts other then my current car loan, any suggestions or thoughts?


EX 708 (08/06/14)(5) EQ 676 (08/13/14) (1) TU 703 (07/25/14) (6)
Capital One Secured Card $200|Victoria's Secret Card $350|Express $350|Discover it $1,000|Nordstrom $1,000
| Amex Everyday $2,000| NFCU nRewards $10,000 (Joint) American Eagle $280
Last App 08/19/14
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: In need of some advice...

Where did you get your credit scores from?  

Message 2 of 6
belvictoria
New Contributor

Re: In need of some advice...

Smiley SurprisedI forgot to mention that I have 3 negative accounts that were from Express, Macy's and one from a towing company (long story) but I paid the Express account to the CA that is no longer on my CR  and would like to pay off the Macy's in the near future but the SOL for this is next year, I'm afraid by paying, this will effect my credit score so I'm hesitant. ( I have no intention on paying the towing company)  I pulled my CR from annualcreditreport.com and the score from Equifax only because it was free. Smiley Sad


EX 708 (08/06/14)(5) EQ 676 (08/13/14) (1) TU 703 (07/25/14) (6)
Capital One Secured Card $200|Victoria's Secret Card $350|Express $350|Discover it $1,000|Nordstrom $1,000
| Amex Everyday $2,000| NFCU nRewards $10,000 (Joint) American Eagle $280
Last App 08/19/14
Message 3 of 6
p-
Valued Contributor

Re: In need of some advice...

How recent is the towing company?  If it's not a legitimate debt, have you considered disputing?

Message 4 of 6
belvictoria
New Contributor

Re: In need of some advice...

The towing company is pretty old it's "drops off" on 12/12-The story behind this is that I put a car in my name for a family member in 2005, I pulled my credit report in 2008 and found out that they never put the car under their name and it had gotten towed and I owe $2,600 to the towing company, I no longer speak to this person, I just refuse to pay and I'm "waiting it out."


EX 708 (08/06/14)(5) EQ 676 (08/13/14) (1) TU 703 (07/25/14) (6)
Capital One Secured Card $200|Victoria's Secret Card $350|Express $350|Discover it $1,000|Nordstrom $1,000
| Amex Everyday $2,000| NFCU nRewards $10,000 (Joint) American Eagle $280
Last App 08/19/14
Message 5 of 6
p-
Valued Contributor

Re: In need of some advice...

I had one of those in Phoenix.  You're right, it's almost expired anyway, probably not hurting you too much.

Message 6 of 6
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