Hello All!
I just recently joined and have started the process of rebuilding my credit. Here are a few things I have questions on which direction I should take or should I just keep chugging along. This is information from MYFico credit report that I just pulled on June 26, 2014
Here are the accounts and the account histories. None of these accounts are with a collection agency I am paying to the creditor and getting a monthly statements.
*Baddies*
Victoria Secrets - Opened Jul 1995 Closed Jun 2008
Balance $987
Credit Limit $0
Last late payment Dec 2013 - 30 days
Paying as agreed - Flagged as Negative Indicator
New York and Company - Opened Apr 1995 - Closed Jun 2008
Balance $595
Credit Limit $0
Last late payment Jan 2014 - 30 days (don't know why I have paid all of Comenity Bank at the same time, if I missed one i missed them all)
Paying as agreed- Flagged as Negative Indicator
American Signature Furniture - Opened Sep 2006 Closed Jun 2008
Balance $3735
Credit limit $0
Last late payment Dec 2013
Paying as agreed- Flagged as Negative Indicator
Spiegal - Open Oct 2006 Closed June 2008
Balance $651
Credit limit $0
Last late payment Dec 2013
Paying as agreed- Flagged as Negative Indicator
The Good Accounts - The only 2 credit cards I have open
Walmart - Opened May 2013
Balance $257
Credit Limit $300
Never been late
First Premier Master Card - Opened Nov 2013
Balance $295 - (So close to limit just rented a car to travel earlier this month - hope to pay off out soon)
Credit limit $300
Never been late
Sallie Mae
Balance $5049 - they automatically withdraw that payment which after I get some of the above paid off I want to snowball and add to this and get it moving faster- listed as paying as agreed however it is flagged because I was late twice in 2012, do you think a GW will work?
Thanks for being so helpful! 
@New_Beginning wrote:Hello All!
I just recently joined and have started the process of rebuilding my credit. Here are a few things I have questions on which direction I should take or should I just keep chugging along. This is information from MYFico credit report that I just pulled on June 26, 2014
Here are the accounts and the account histories. None of these accounts are with a collection agency I am paying to the creditor and getting a monthly statements.
*Baddies*
Victoria Secrets - Opened Jul 1995 Closed Jun 2008
Balance $987
Credit Limit $0
Last late payment Dec 2013 - 30 days
Paying as agreed - Flagged as Negative Indicator
Minor derog but hurting because it's fairly recent. I'd GW the late.
New York and Company - Opened Apr 1995 - Closed Jun 2008
Balance $595
Credit Limit $0
Last late payment Jan 2014 - 30 days (don't know why I have paid all of Comenity Bank at the same time, if I missed one i missed them all)
Paying as agreed- Flagged as Negative Indicator
GW that late.
American Signature Furniture - Opened Sep 2006 Closed Jun 2008
Balance $3735
Credit limit $0
Last late payment Dec 2013
Paying as agreed- Flagged as Negative Indicator
GW this one.
Spiegal - Open Oct 2006 Closed June 2008
Balance $651
Credit limit $0
Last late payment Dec 2013
Paying as agreed- Flagged as Negative Indicator
GW that late.
The Good Accounts - The only 2 credit cards I have open
Walmart - Opened May 2013
Balance $257
Credit Limit $300
Never been late
First Premier Master Card - Opened Nov 2013
Balance $295 - (So close to limit just rented a car to travel earlier this month - hope to pay off out soon)
Credit limit $300
Never been late
Sallie Mae
Balance $5049 - they automatically withdraw that payment which after I get some of the above paid off I want to snowball and add to this and get it moving faster- listed as paying as agreed however it is flagged because I was late twice in 2012, do you think a GW will work?
Thanks for being so helpful!
Some of these accounts are old and I'd like to see the postings of them. Looks like next year, you should have much of this off anyway, if not sooner.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:
@New_Beginning wrote:Hello All!
I just recently joined and have started the process of rebuilding my credit. Here are a few things I have questions on which direction I should take or should I just keep chugging along. This is information from MYFico credit report that I just pulled on June 26, 2014
Here are the accounts and the account histories. None of these accounts are with a collection agency I am paying to the creditor and getting a monthly statements.
*Baddies*
Victoria Secrets - Opened Jul 1995 Closed Jun 2008
Balance $987
Credit Limit $0
Last late payment Dec 2013 - 30 days
Paying as agreed - Flagged as Negative Indicator
Minor derog but hurting because it's fairly recent. I'd GW the late.
New York and Company - Opened Apr 1995 - Closed Jun 2008
Balance $595
Credit Limit $0
Last late payment Jan 2014 - 30 days (don't know why I have paid all of Comenity Bank at the same time, if I missed one i missed them all)
Paying as agreed- Flagged as Negative Indicator
GW that late.
American Signature Furniture - Opened Sep 2006 Closed Jun 2008
Balance $3735
Credit limit $0
Last late payment Dec 2013
Paying as agreed- Flagged as Negative Indicator
GW this one.
Spiegal - Open Oct 2006 Closed June 2008
Balance $651
Credit limit $0
Last late payment Dec 2013
Paying as agreed- Flagged as Negative Indicator
GW that late.
The Good Accounts - The only 2 credit cards I have open
Walmart - Opened May 2013
Balance $257
Credit Limit $300
Never been late
First Premier Master Card - Opened Nov 2013
Balance $295 - (So close to limit just rented a car to travel earlier this month - hope to pay off out soon)
Credit limit $300
Never been late
Sallie Mae
Balance $5049 - they automatically withdraw that payment which after I get some of the above paid off I want to snowball and add to this and get it moving faster- listed as paying as agreed however it is flagged because I was late twice in 2012, do you think a GW will work?
Thanks for being so helpful!
Some of these accounts are old and I'd like to see the postings of them. Looks like next year, you should have much of this off anyway, if not sooner.
Thanks again so much! I will be working on these so I can mail them out in Monday.