This is from my Trans-Union Report
Public Records:
Bankruptcy Discharged 10/2007
Judgement - 5/2014 $3100 - currently making payments of $300 per month, $2500 balance left.
Judgement - 10/2013 - $1364 - Shows paid on 4/2014
Judgement - 5/2014 - $586 - Paid but does not show as paid on TU
Judgement - 11/2013 - $1424 - Paid but does not show as paid on TU
Late pays:
Capital one - account in good standing, but shows one 30 day late from 5/2013
Note - I asked for a CLI on the above account and was denied for low score and a late pay within nine
months, but that late pay does not show on credit report. I accidentally missed a payment in January.
Capital one - account is currently in good standing but shows 5 late pays - one 30, one 60, and three 90's
from 3/2013 to 7/2013
The late pays were when I had just been laid off and I was unemployed for a few months. I caught them up as
quick as I could once I went back to work.
Nationwide Auto loan
Account paid off but shows 6 lates from 4/2012 to 9/2012. I wrecked the vehicle and insurance covered all
but $700. With a new, bigger car payment, and having to come up with a $1000 down ($200 a week for 5 weeks)
on the new vehicle, I could not pay this off very quickly. I took way longer than I wanted, not thinking
about how it might hurt my credit.
Wells Fargo Auto loan
Account is now paid off - I had one late payment 5/13. Only a partial late ($195, full payment was $395),
because of moving expenses when I got my new job last year. Our deposit was supposed to be $300, but ended
up being $750, leaving me short for the car payment.
OK, now for collection accounts:
Access Capital - 1/2011 $374 For an unpaid traffic ticket in california Status is Paid/closed 6/2012
Drop off - 5/2017
Bonneville Collections - 6/2013 $1140 for unpaid Utility bill. Status is Paid/Closed 3/14 (related to
Judgement above)
Drop off - 3/2020
Columbia Collections - 1/2012 - $65 for unpaid medical bill. Status is In Collection
Drop off - 12/2017
Columbia Credits - 3/2011 - $189 for unpaid medical bill. Status is In Collection
Drop off - 11/2017
Credit Inc 3/2011 - $60 for unpaid medical bill. Status is In Collection
Drop off - 11/2017
Diversified Consultants - $137 for DirecTV bill. Status is In Collection
Drop off - 4/2020
Enhanced Recovery Company - 5/2014 $246 for ATT Internet Service. Status is In Collection.
Drop off - 5/2020
Fin. CR. Netwk - $296 for unpaid Medical Bill. Status is In Collection.
Drop off - 10/2017
Fin. CR. Netwk - $52 for unpaid medical bill. Status is Paid in Full 9/2009.
Drop Off - 3/2015
Grant Mercantile Agency - 8/2011 - $386 for unpaid medical bill. Status is In Collection
Drop off - 3/2017
IC Systems Collections - 11/2013 - $246 for ATT Internet (same as above) Status is In Collection
Drop off 5/2020
So my plan is to GW the paid items i have and start DV'ing the unpaid ones. the ones that get validated I will start doing PFD offers on, starting with the small ones. The one thing I'm unsure of is the Judgements. I know some states allow them to be vacated when paid, but I can't find any info on whether this can be done in Oregon or not. If anyone knows please let me know...
TIA, Norm
