Brand new to the forum, and have been reading a lot. But even still feeling more overwhelmed and confused. My scores are around a 525 according to creditkarma, which reading on here found out isnt too acurate. But even still I am needing some advice on where exactly to start, and what my plan of action should be. I am in the Army, and moving (PCSing) this August and shortly after would like to start looking for a house to buy in colorado where I'll be going. Most of this is from when i was 18 (young and dumb). SInce I enlisted in the army I have only been late on maybe one payment (my car back in 2011 when the military didnt know if they were going to pay us on the 1st or not). Here are the list of things reporting negative:
Bank of America
Status
aid, Closed $464 written off
Date opened:09/2008
DOFD: 01/2009
Desert Schools FCU
Status; Paid, Closed $526 written off.
Date Opened: 06/2008
Charged off: 12/2008
It was a checking account.
Capital One/ Best buy
Status: Transfered, Closed
Date opened: 04/2008
DOFD: 06/2008
Balance $1475
Kay Jewelers:
Status: Paid, Closed, $658 written off
Date opened 03/2008
DOFD: 07/2008
Balance $658
LVNV Funding, LLC
Status, Collection account $2041 past due as of May 2013
Date opened 12/2008
Collection as of Feb 2009
Medical Resource Systems
Status: Collection account, $183 past due as of may 2012
Date opened: 07/2008
collection as of may 2012
Midland Funding
Status: Collection Account, $735 past due as of may 2013
OC: T-mobile,
Pinnacle Credit services
Status: Collection account $882 past due as of may 2013
Date opened 11/2010
Went to collections may 2011
RGS Financial
Status, collection account $544 past due as of april 2013
date opened 06/2012
collection as of april 2013
RJM Acquisitions
Status: collection account, $285 past due as of may 2013
opened 12/2011
went to collections 2/2012
I know I am probably missing a lot of information, I am just looking for some friendly advice on where to start. I know that I cant PIF all of these at one time, and im sure somone here has been in the same situation. Thank you in advance to all that reply, and I am looking forward to getting this journey started.
@FiSTersLTW wrote:Brand new to the forum, and have been reading a lot. But even still feeling more overwhelmed and confused. My scores are around a 525 according to creditkarma, which reading on here found out isnt too acurate. But even still I am needing some advice on where exactly to start, and what my plan of action should be. I am in the Army, and moving (PCSing) this August and shortly after would like to start looking for a house to buy in colorado where I'll be going. Most of this is from when i was 18 (young and dumb). SInce I enlisted in the army I have only been late on maybe one payment (my car back in 2011 when the military didnt know if they were going to pay us on the 1st or not). Here are the list of things reporting negative:
Bank of America
Status
Date opened:09/2008DOFD: 01/2009
Desert Schools FCU
Status; Paid, Closed $526 written off.
Date Opened: 06/2008
Charged off: 12/2008
It was a checking account.
Capital One/ Best buy
Status: Transfered, Closed
Date opened: 04/2008
DOFD: 06/2008
Balance $1475
Kay Jewelers:
Status: Paid, Closed, $658 written off
Date opened 03/2008
DOFD: 07/2008
Balance $658
LVNV Funding, LLC
Status, Collection account $2041 past due as of May 2013
Date opened 12/2008
Collection as of Feb 2009
Medical Resource Systems
Status: Collection account, $183 past due as of may 2012
Date opened: 07/2008
collection as of may 2012
Midland Funding
Status: Collection Account, $735 past due as of may 2013
OC: T-mobile,
Pinnacle Credit services
Status: Collection account $882 past due as of may 2013
Date opened 11/2010
Went to collections may 2011
RGS Financial
Status, collection account $544 past due as of april 2013
date opened 06/2012
collection as of april 2013
RJM Acquisitions
Status: collection account, $285 past due as of may 2013
opened 12/2011
went to collections 2/2012
I know I am probably missing a lot of information, I am just looking for some friendly advice on where to start. I know that I cant PIF all of these at one time, and im sure somone here has been in the same situation. Thank you in advance to all that reply, and I am looking forward to getting this journey started.
Welcome to the forum and we always give friendly and objective advice
If your plan is to pay them all off search the forum for PFD=pay for delete if they agree in writing then pay them also read DV and GW letters
Good luck and best wishes
@FiSTersLTW wrote:Brand new to the forum, and have been reading a lot. But even still feeling more overwhelmed and confused. My scores are around a 525 according to creditkarma, which reading on here found out isnt too acurate. But even still I am needing some advice on where exactly to start, and what my plan of action should be. I am in the Army, and moving (PCSing) this August and shortly after would like to start looking for a house to buy in colorado where I'll be going. Most of this is from when i was 18 (young and dumb). SInce I enlisted in the army I have only been late on maybe one payment (my car back in 2011 when the military didnt know if they were going to pay us on the 1st or not). Here are the list of things reporting negative:
Bank of America
Status
Date opened:09/2008DOFD: 01/2009
Desert Schools FCU
Status; Paid, Closed $526 written off.
Date Opened: 06/2008 GW letter.
Charged off: 12/2008
It was a checking account.
Capital One/ Best buy
Status: Transfered, Closed
Date opened: 04/2008 Should be reporting a 0 balance since it is transferred so it is reporting inaccurately.
DOFD: 06/2008
Balance $1475
Kay Jewelers:
Status: Paid, Closed, $658 written off GW letter. It is reporting inaccurately since it is reporting a balance and it is paid.
Date opened 03/2008
DOFD: 07/2008
Balance $658
LVNV Funding, LLC
Status, Collection account $2041 past due as of May 2013
Date opened 12/2008
Collection as of Feb 2009
Medical Resource Systems
Status: Collection account, $183 past due as of may 2012
Date opened: 07/2008
collection as of may 2012
Midland Funding
Status: Collection Account, $735 past due as of may 2013
OC: T-mobile,
Pinnacle Credit services
Status: Collection account $882 past due as of may 2013
Date opened 11/2010
Went to collections may 2011
RGS Financial
Status, collection account $544 past due as of april 2013
date opened 06/2012
collection as of april 2013
RJM Acquisitions
Status: collection account, $285 past due as of may 2013
opened 12/2011
went to collections 2/2012
I know I am probably missing a lot of information, I am just looking for some friendly advice on where to start. I know that I cant PIF all of these at one time, and im sure somone here has been in the same situation. Thank you in advance to all that reply, and I am looking forward to getting this journey started.
Where did you pull your reports from? Each of the CA accounts have confusing information. Such as the open date is before the collections date. With a CA account the open date is the date the CA acquired the debt. The went to collections date should not be after that.
