Reply
New Contributor
Posts: 50
Registered: ‎07-27-2010
0

Journey to 700 Club.

[ Edited ]
  • I started the journey to purchase a home last April. I did purchase a home in November but now I want to be in the 700 club this year. Here is a listing of all the negative information on my credit reports. OMG here it goes:
  •                                                                                                   Experian              Transunion         Equifax
  •  Company Name             Owed                 DOFD                     Current Status            Current Status         Current Status
  •  HSBC                              0                       7/2007                    Collection                    Collection
  •  Conns                              0                       8/2008                    Collection                  Collection
  • TXU                                  0                       10/2008                                                     Collection                collection
  •  Nuvell                              18792                4/2008                    repo                            repo                       repo
  •  Santander                       6967                  1/2008                                                       repo
  •  midland/embarq             1653                   9/2006                    Collection                  Collection               Collection (reported on 11/2011)
  • Credit Acceptance           2053                  11/2008                  Collection                                                 Collection
  •  RS Clark                         0                        10/2010                  collection                                                 Collection
  • RS Clark                          0                         2/2011                   collection                                                 Collection
  •  CSBI                               56                       4/2006                   Collection
  •  CMI                                 582                     1/2006                   Collection
  • Litton Loan                                                  8/2009                    Foreclosure
  •  Litton Loan                                                 8/2009                    Foreclosure
  •  Campbell                        0                          8/1/2010                Collection
  •  Inquiries TU-12 EQ-16 EXP-15
  •  Myfico EQ-592 TU-630 03/31/12
  •  FCR EXP(fako)-598
  •  TU(Fako)-698
  •  CK-632
  • EQ(fako)-603
  •  This my mess and I am not blaming no one but I had went through a divorce. Now I am determine to get my LIFE and FINANCES back together. The collection accounts that I have zero balance I wrote a GW. Midland sent a DV letter. Do anyone have any advicefor me?
Regular Contributor
Posts: 132
Registered: ‎11-14-2011
0

Re: Journey to 700 Club.

[ Edited ]

I'd offer to pay those collections for an agreement to delete the collection from credit reporting. Goodwill the zero-balance collections or just wait for them to wither off in a year or two.


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


Take the FICO Fitness Challenge
New Contributor
Posts: 50
Registered: ‎07-27-2010
0

Re: Journey to 700 Club.

What do you mean a year or two the the zero balance collection will wither off my credit reports.

New Contributor
Posts: 50
Registered: ‎07-27-2010
0

Re: Journey to 700 Club.

+1
New Contributor
Posts: 50
Registered: ‎07-27-2010
0

Re: Journey to 700 Club.

csbi and cmi deleted from experian report.  Now working with credit acceptance and mcm to pfd.  Hoping i can get them to agree.

New Contributor
Posts: 50
Registered: ‎07-27-2010
0

Re: Journey to 700 Club.

Transunion now 684. I m on the move now I need equifax and experian to move up
Valued Contributor
Posts: 2,660
Registered: ‎04-25-2011
0

Re: Journey to 700 Club.


vetstorm91 wrote:
Transunion now 684. I m on the move now I need equifax and experian to move up


That Santander repo --- was you account originally with Santander? Or did you Repo happen with, like CitiFinancial and then Santander bought it Citi when they purchased their portfolio??

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
New Contributor
Posts: 50
Registered: ‎07-27-2010
0

Re: Journey to 700 Club.

It was a repo from when I went thru a divorce. It was with santander. It is still on credit report
Mega Contributor
Posts: 19,803
Registered: ‎03-19-2007
0

Re: Journey to 700 Club.

Do you have available funds for making PFD offers?

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.