Start with settling the charge-offs first. These are doing the most damage score wise.
Then DV the CA's. That should be enough to keep you busy.
Then DV the CA's. That should be enough to keep you busy.
@kbrance09 wrote:Okay I have lurked long enough and time to come forward. Here is an overview of the baddies on my CRA's and some additional info. My current FICO score taken from here is EQ 623(12/12) & TU 609(12/12 and AAOA is 6 yrs. 8 mo
Baddies
Cap One - 640 DO: 01/07 Bal: $0 Settlement Accepted
Send a GW
Cap One - 546 DO: 04/04 Bal: $0 One 30 day late(06/06) - Acct Closed
Leave it be
Chase Bank - 061 DO: 01/08 Bal: $0 Charge Off
Send GW
Conn's - 130 DO: 07/09 Bal: $0 One 30 day late(03/10 - Acct Closed
Leave it be
Chase Bank 866 DO: 08/08 Bal: $0 Charge Off
Send GW
HSBC Bank - 741 DO: 01/07 Bal: $0 Charge Off
Send GW
HSBC Bank - 921 DO: 02/08 Bal: $0 Charge Off / Sold to CACH, LLC
Send GW
World Foremost - 335 DO: 09/07 Bal: $0 Settlement Accepted
Send GW
CACH, LLC - 114 DO: 07/10 Bal: $ 0 Collection
Send GW
Equable Ascent - 632 DO: 09/10 Bal: $0 Settlement Accepted
Send GW
Midland Funding - 982 DO: 05/12 Bal: $4479 Collection
Try to negotiate a PFD
Lafayette Parish - 541 DO: 08/11 Bal: $1692.62 Judgment
Will need to satisfy
Sabine District - 663 DO: 07/11 Bal: $0 Paid/Satisfied Judgment (same acct as HSBC 921 & CACH)
You will want to contact the court where this was file and ask what there process is to vacate or put aside the judgement. You will want to do the judgement above the same way once paid. It's a some will/some won't type of thing.
CC & Others
Orchard / Cap One - 441 DO: 03/12 CL: $500 Bal: $0
Cap One / Best Buy - 758 DO: 12/08 CL: $800 Bal: $0
Cap One - 836 DO: 12/11 CL: $750 Bal: $0
Cap One - 953 DO: 10/11 CL: $1500 Bal: $1274
Too high balance on this one, need to pay down the util
Dell - 331 DO: 06/05 CL: $4500 Bal: $1540
Pay down the util
Cap One Auto - 001 DO: 01/12 Bal: $17,284
Inquires
EQ - 7(3/12, 1/12, 12/11, 10/11, 7/11, 3/11, 1/11)
EX - 3(1/12, 12/11, 10/11)
TU - 5(3/12, 1/12, 12/11, 10/11, 1/11)
Any and all help will be greatly appreciated
This is what I would do. You're doing good at paying them off, now you need to work and get them off your CR. Good Luck!
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.