Negative accounts Vs. Closed Derog Accounts.

[Amiashu12]

Hi Everyone. Once again I am seeking help and suggestion. I wanted to see how should I handle this situation. I have 4 negative accounts and 4 in collection. Which accounts are impacting my scores. Which accounts should I pay so that my scores go up? Thanks

[rmduhon]

What exactly are the negative accounts? And what is the DoFD (Date of First Delinquency) for the collections (and negative accounts if applicable)?

[medicgrrl]

All of them are impacting your scores. If you list the accounts, balances and status you'll get better info

[Amiashu12]

Pioneer Credit union Now past due 30 days, was past due 60 days co-signer on this account, Amex for $2093 dofd 2012, Chase bank for $728 dofd 2013, Honda Finance was repo and shows charged off for $4200 dofd 2013, Pioneer mutual for $1108 dofd 2014, Afin att collection for $402 removing date 2020, Portofolio Recovery Cap one for $762 removing date 2021, Merc&Prof for $2597 removing date 2020, Stellar Recovery paid Collection removing 2021.

[medicgrrl]

All of them still have balances except Stellar?

[Amiashu12]

Yes all of them have balances but when i disputed last month, the citi card went from $0 to 3200 and soon it would go back to $0.