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New to Fico and trying to figure out how everything works

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Anonymous
Not applicable

Re: New to Fico and trying to figure out how everything works

1.)Crdt FirstApr, 2011 Status as of Date opened Date of last activity Credit limit Account Type Account holder Scheduled Payment Amount Industry

Apr, 2011 DOLA
Dec, 2010 DO
Apr, 2011
$1,200
Revolving
Joint
$28
TBA Stores, Tire Dealers

Descriptions

  • Charge

No contact information provided by Equifax

Balance Current Status

$689Pays account as agreed

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

2.)Hsbc/BstbyApr, 2011 Status as of Date opened Date of last activity Credit limit Account Type Account holder Scheduled Payment Amount Industry

Apr, 2011 DOLA
Aug, 2009 DO
Apr, 2011
$1,000
Revolving
Authorized User
$25
Television & Radio

Descriptions

  • Charge

No contact information provided by Equifax

Balance Current Status

$920Pays account as agreed

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

3.)Gemb/WmtdcApr, 2011 Status as of Date opened Date of last activity Largest past balance Account Type Account holder Industry

Apr, 2011 DOLA
Nov, 2007 DO
Apr, 2011
$3,000
Revolving
Authorized User
National Credit Card Cos.

Descriptions

  • Closed or paid account / zero balance
  • Account closed by credit grantor

No contact information provided by Equifax

Balance Current Status

$0Pays account as agreed

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

4.)FrstcitiznApr, 2011 Status as of Date opened Date of last activity Largest past balance Account Type Account holder Scheduled Payment Amount Industry

Apr, 2011 DOLA
Sep, 2009 DO
Apr, 2011
$14,383
Installment
Shared
$370
All Banks

Descriptions

  • Fixed rate
  • Installment sales contract

No contact information provided by Equifax

Balance Current Status

$9,974Pays account as agreed

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

5.)SnaponcredApr, 2011 Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry

Apr, 2011
Jun, 2007 DO
May, 2009 DOLA
XXXXX
$2,929
Installment
Individual
$172
Sales Financing

Descriptions

  • Charged off account
  • Amount in high credit is original charge-off amount

No contact information provided by Equifax

Balance Current Status Past Due Amount

$3,046Bad debt/collection$3,046

Seven year payment history 30 days late 60 days late 90+ days late

1 time (Jun 2009)
1 time (Jul 2009)
1 time (Aug 2009)

Worst Delinquency

90 days past due

6.)Company name is unknownMar, 2011 Status as of Date opened Date of last activity Largest past balance Account Type Account holder Industry

Mar, 2011
Dec, 2009 DOLA
Aug, 2008 DO
$35
Open Account
Individual
Factoring Companies

Descriptions

  • Medical
  • Collection account

No contact information provided by Equifax

Balance Current Status Past Due Amount

$35120+ days past due$35

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

7.)AaronrentsJun, 2010 Status as of Date opened Date of last activity Account number Largest past balance Terms Account Type Account holder Industry

Jun, 2010
Nov, 2009 DOLA
Nov, 2009 DO
XXXXXX
$1,202
(1 Month)
Installment
Individual
Miscellaneous

Descriptions

  • Paid charge off
  • Lease

No contact information provided by Equifax

Balance Current Status

$0Bad debt/collection

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

8.)AaronrentsApr, 2010 Status as of Date opened Date of last activity Account number Largest past balance Terms Account Type Account holder Industry

Apr, 2010
Aug, 2008 DO
Nov, 2009 DOLA
XXXXXX
$805
(1 Month)
Installment
Individual
Miscellaneous

Descriptions

  • Paid charge off
  • Lease

No contact information provided by Equifax

Balance Current Status

$0Bad debt/collection

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

9.)FrstcitiznNov, 2009 Status as of Date opened Largest past balance Account Type Account holder Scheduled Payment Amount Industry

Nov, 2009 DOLA
Aug, 2009 DO
$14,189
Installment
Individual
$332
All Banks

Descriptions

  • Installment sales contract

No contact information provided by Equifax

Balance Current Status

$0Pays account as agreed

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

10.)St FrklnOct, 2009 Status as of Date opened Date of last activity Account number Largest past balance Account Type Account holder Scheduled Payment Amount Industry

Oct, 2009
Apr, 2008 DO
Feb, 2009 DOLA
XXXXXXXX
$1,192
Installment
Individual
$205
Personal Loans Companies

Descriptions

  • Charged off account
  • Amount in high credit is original charge-off amount

No contact information provided by Equifax

Balance Current Status

$1,192Bad debt/collection

Seven year payment history 30 days late 60 days late 90+ days late

2 times (Apr 2009, Aug 2008)
1 time (May 2009)
1 time (Jun 2009)


Worst Delinquency

90 days past due

11.)Fst PremieAug, 2009 Status as of Date opened Date of last activity Largest past balance Account Type Account holder Industry

Aug, 2009
Mar, 2009
Apr, 2009
$200
Revolving
Individual
National Credit Card Cos.

Descriptions

  • Account closed at consumer's request
  • Closed or paid account / zero balance

No contact information provided by Equifax

Balance Current Status

$0Pays account as agreed

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported

12.)St FrklnJun, 2008 Status as of Date opened Date of last activity Account number Largest past balance Terms Account Type Account holder Industry

Jun, 2008
Dec, 2007 DO
Mar, 2008 DOLA
XXXXXXXX
$2,133
(12 Months)
Installment
Individual
Personal Loans Companies

Descriptions

  • Closed or paid account / zero balance
  • Refinanced

No contact information provided by Equifax

Balance Current Status

$0Pays account as agreed

Seven year payment history 30 days late 60 days late 90+ days late

0 times
0 times
0 times

Worst Delinquency

None Reported


Message 11 of 13
Anonymous
Not applicable

Re: New to Fico and trying to figure out how everything works

Collections

 

13.)Collection on debt to: Estate Recover

The collection agency "636YC24113" was hired to collect a debt of $537 originally owed to "Estate Recover" on account number "XXXXXXX".

Collection agency Original balance Current balance Date assigned Original lender Account number Account holder

636YC24113
$537
$537
Oct, 2009
Estate Recover
XXXXXXX
Individual

14.)Collection on debt to:

The collection agency "478YC00000" was hired to collect a debt of $150 on account number "XXXXXXX".

Collection agency Original balance Current balance Date assigned Account number Account holder Account descriptions

478YC00000
$150
$150
Nov, 2007
XXXXXXX
Individual
Medical

15.)Collection on debt to: Sprint

The collection agency "636YC24792" was hired to collect a debt of $814 originally owed to "Sprint" on account number "XXXXXXXX".

Collection agency Original balance Current balance Date assigned Original lender Account number Account holder

636YC24792
$814
$814
Oct, 2009
Sprint
XXXXXXXX
Individual

16.)Collection on debt to:

The collection agency "420YA00000" was hired to collect a debt of $108 on account number "XXXXXXXX".

Collection agency Original balance Current balance Date assigned Account number Account holder Account descriptions

420YA00000
$108
$144
Feb, 2009
XXXXXXXX
Individual
Medical

17.)Collection on debt to:

The collection agency "827YA00000" was hired to collect a debt of $62 on account number "XXXXXXXX".

Collection agency Original balance Current balance Date assigned Account number Account holder Account descriptions

827YA00000
$62
$82
May, 2008
XXXXXXXX
Individual
Consumer disputes this account information
Medical

18.)Collection on debt to: South Alabama E

The collection agency "905YC00310" was hired to collect a debt of $649 originally owed to "South Alabama E" on account number "XXXXXX3001".

Collection agency Original balance Current balance Date assigned Original lender Account number Account holder

905YC00310
$649
$649
Mar, 2005
South Alabama E
XXXXXX3001
Individual

 

 

Well here it is. Its all the credit ever had. I know its a mess. Any feed back would be greatly appreciated. I have the biggest headache, Ive been reading the forums for two days straight. Thanks

Message 12 of 13
Anonymous
Not applicable

Re: New to Fico and trying to figure out how everything works

I have each one numbered any sugestions on what to do with each one and the order I should do it in. I have all the money to pay the ones that are bad off. I dont know alot about GW or PFD letters, but im trying my best to learn and get this behind me and keep it good. My goal is to be in the 700 club by 12/2012. If thats even possible. I would like to thank all of you for helping me as I know it is a mess.

Message 13 of 13
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