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Need some guidance where/how to attack next.

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Need some guidance where/how to attack next.

Hi All,

I have slowly been working at getting off my baddies (man there was a lot of them). I need advice on how to attack what I have left. 

 

Here are my Concerns:

  • I am worried if I contact Credit One and Merrick that they will start reporting again. 
  • I have heard that Hunter Warfield is really tough to deal with. Any experience with them?
  • How much do my PIF Loans late payment history affect my Score/Report?

 

Here's my List of baddies:

 

Collections:

HUNTER WARFIELD, INC
DOFD: 9/2013
Orig Amount: $751
Current Amount: $950
Last reported: July 2017

CREDIT CONTROL SERVICES INC (only on TU)
DOFD: 6/2014
Orig Amount: $136
Last reported: July 2017

 

 

Credit Cards (Not Currently Open)

CREDIT ONE BANK
Reported Balance: $0
Written Off: $871(written off)
Last reported: 12/2015
Last Payment: 3/2012
Status: Charged Off - sold
Remark on TU: PURCHASED BY ANOTHER LENDER; >PAID IN FULL/WAS A CHARGE OFF<


MERRICK BANK
Limit: $650
Reported Balance: $937 (Reporting Balance even though Charged off?)
Last reported: 01/2016    (Reporting as Charge Off on monthly breakdown) 
Last Payment: 3/2012
Status: Charged Off Account
Remark on TU: >PRL<

Merrick had been reporting late or CO every month from DOFD until January 2016. (48 lates/CO!!)

 

 

Closed Loans (with bad Payment History)

Capital One  Auto -  (Cap1)
Lates: 60, 90, CO, Repo (12/2014).
Brought current. Got the car back 12/2014. Completely paid off as of 04/2017.
Paid in full; Closed.

 

Dept of  Labor Federal Credit Union
5 Lates - 30, 60, 90, 120, 60. (last 1/2014) 
Brought current in 2/2014.
Paid off as of 10/2014
Paid in full; Closed.

 

Thanks in Advance!

Solo



7/1/2017 FAKO Score by: CreditWise (Cap1) 645.

7/22/2016 Scores by MyFICO: Exp - 595 TU - 607 EQ - 621
7/20/2016 Scores by CCT: Exp - 595 TU - 597 EQ - 613 (SOME ITEMS DIDN'T UPDATE)
6/20/2016 Scores by CCT: Exp - 586 TU - 592 EQ - 603
Starting FAKO Scores were all low 500's Aug 2015.
1 REPLY
Moderator

Re: Need some guidance where/how to attack next.


SoloRider1967 wrote:

Hi All,

I have slowly been working at getting off my baddies (man there was a lot of them). I need advice on how to attack what I have left. 

 

Here are my Concerns:

  • I am worried if I contact Credit One and Merrick that they will start reporting again. 
  • I have heard that Hunter Warfield is really tough to deal with. Any experience with them?
  • How much do my PIF Loans late payment history affect my Score/Report?

 

Here's my List of baddies:

 

Collections:

HUNTER WARFIELD, INC
DOFD: 9/2013
Orig Amount: $751
Current Amount: $950
Last reported: July 2017

CREDIT CONTROL SERVICES INC (only on TU)
DOFD: 6/2014
Orig Amount: $136
Last reported: July 2017

 

 On both of these offer PFD, if you cant get PFD make a settlement you want them to stop updating as they are keeping Fico depressed

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519

 

Credit Cards (Not Currently Open)

CREDIT ONE BANK
Reported Balance: $0
Written Off: $871(written off)
Last reported: 12/2015
Last Payment: 3/2012
Status: Charged Off - sold
Remark on TU: PURCHASED BY ANOTHER LENDER; >PAID IN FULL/WAS A CHARGE OFF<

 

Only chance is a GW request but they may not be in the mood since they sold the debt for much less than what was owed.

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...


MERRICK BANK
Limit: $650
Reported Balance: $937 (Reporting Balance even though Charged off?)  Yes if its unpaid it can be reported, settle to stop that updating you are not going to get a PFD with them but try it once.


Last reported: 01/2016    (Reporting as Charge Off on monthly breakdown) 
Last Payment: 3/2012
Status: Charged Off Account
Remark on TU: >PRL<

Merrick had been reporting late or CO every month from DOFD until January 2016. (48 lates/CO!!)

 

 

Closed Loans (with bad Payment History)

Capital One  Auto -  (Cap1)
Lates: 60, 90, CO, Repo (12/2014).
Brought current. Got the car back 12/2014. Completely paid off as of 04/2017.
Paid in full; Closed.

 

Dept of  Labor Federal Credit Union
5 Lates - 30, 60, 90, 120, 60. (last 1/2014) 
Brought current in 2/2014.
Paid off as of 10/2014
Paid in full; Closed.

 

Gw letter requests asking that the lates be commuted.

 

Thanks in Advance!

Solo


 

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