I am looking for some advice on my next step of what I should do. I have been working on bringing up my credit score but have some things on my credit report that are not pretty. Here are the negatives on my report:
I am trying to build up my revolving credit because I have none. For recent activity:
My questions I need help with are:
Any help is very much appreciated! I have been reading through all of the threads on here and everyone is so helpful, such a great and insightful forum! I love it!
If you can at all help it, stay away from Santander. They are a horrible company, IMO, and if things get tough they play hardball and absolutely will not work with you. They have also been known to do unethical things as far as reporting, repoing etc. That is on top of the interest rates they charge.
The Charge off from Carmax will never be wiped away. It may be paid but will still be a charge off.
Find out if your state allows for vacating judgments after satisfaction. Or a tax lien if that is what it is.
You can try BoA or Wells Fargo. Not sure how they are to deal with.
If you can afford a PFD for each of the collections, go that route. Send them a letter asking to pay in full for a deletion from your credit reports.
If not, once paid, start sending out good will letters asking for them to be removed.
Credit rebuilding is not an overnight event. It will take some time and a lot of patience.