Ok, I asked her the send me her credit report - yikes. I know it's alot to review but I need some help so I can help her. I know in general she just needs to try to get the accounts to stop reporting, same with the collection agencies, just not sure on the specifics. (side note: I know some people might say "my firend" but really it is themself - for those of you who know me, I've been helped here with one late payment and I've helped others - no games, this is someone that I'm trying to help).
Navient Student Loan/Dept of Ed:
Highest: $1750
Status: Current, Open
Last Reported: 9/2016
90 Day Late: 3 times
120 day late: 8 times
IMPORTANT: there are 5 other accounts with Navient Student Loan - they each have different start dates, monthly payments, balances, etc like they are different accounts however the payment history is exactly the same for all of them. 3 90-day lates, 8 120-daya lates. That's odd - could these be the same account but broken up in some way? I asked her and she's not well inofrmed - these loans look like they are the same loan. The "Times Late" section for all of them is 30/60/90 Days Late: 0/0/11.
US Dept Vets:
Highest balance: $218
Status: Paid. Payment after Collection/CO
Last reported: 7/2015
No payment history reported by creditor
US Dept of Ed, student loan
Highest: $12,494
Status: Closed due to transfer
Last reported: 7/2015
120 lates: 9 times
CNAC Auto loan
Higest: $10,052
Status: Settled, less than full balance
Last reported: 2/2014
30 Day late: 1 time
Collections:
11 Grande Communication
LAst Reported: 11/2016
Highest: $827
Placed for collection
Time Warner:
Last Reported: 8/2016
Placed for collection
Medical:
Last Reported: 11/2016
Highest: $133
Placed for collection
Medical:
Last Reported: 11/2016
Highest: $255
Placed for collection
Medical:
Last Reported: 11/2016
Highest: $84
Placed for collection
SAME THING AS MY ABOVE NOTE. THIS MEDICAL AND THE ONE JUST ABOVE LOOKS LIKE IT IS THE SAME ACCOUNT, SAME ORIGINAL CREDITOR, SAME AMOUNT, SAME DATES.
Medical:
Last Reported: 11/2016
Highest: $84
Placed for collection
Medical:
Last Reported: 11/2016
Highest: $279
Placed for collection
Medical:
Last Reported: 11/2016
Highest: $654
Placed for collection
Collection Agency: This is just a listing of the collection ageny of am account I have already listed above. Is this hurting the score more by listing it twice?
Original Creditor listed above.
Placed for collection
Collection Agency: for Medical
Not listed above
Last reported: 10/2016
Balance: $1804
Collection Agency: for Medical
Not listed above
Last reported: 5/2016
Balance: $490
Collection Agency: for Medical
Not listed above
Last reported: 6/2016
Balance: $1763
Collection Agency: for Medical
Not listed above
Last reported: 9/2016
Balance: $1679
Collection Agency: for Medical
Not listed above
Last reported: 6/2016
Balance: $1484
Collection Agency: for Medical
Not listed above
Last reported: 9/2015
Balance: $87
Collection Agency: for Water of America
Not listed above
Last reported: 5/2013
Balance: $134
796 TU FICO 08 (08/2018)
758 TU FICO 08 (01/12/2016)
753 TU FICO 08 (11/21/2015)
740: EQ Score Power (Beacon 5.0) FICO 04 (01/23/2015)
755 TU FICO 08 (01/21/2015)
652 TU Lender Pull (06/10/2014)
665 TU FICO 08 (05/21/2014)
Goal: 800+
