OVERWHELMED...

[beegeez]

Closed Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
CARE CREDIT/GEMB		03/2007	$0	09/2010		CHARGE-OFF	$6,500
CARE CREDIT/GEMB PO Box 981439 El Paso, TX-799981439 (866) 396-8254 Account Number: Current Status: CHARGE-OFF  Account Owner: Joint Account  High Credit: Type of Account : Revolving Credit Limit: $6,500   Term Duration: Terms Frequency: Monthly (due every month)  Date Opened: 03/2007   Balance: $0   Date Reported: 09/2010  Amount Past Due: Date of Last Payment: 07/2010  Actual Payment Amount: Scheduled Payment Amount: $99   Date of Last Activity: N/A Date Major Delinquency First Reported: 08/2010  Months Reviewed: 41  Creditor Classification: Activity Description: Paid and Closed  Charge Off Amount: $2,823   Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Charge Account  Date of First Delinquency: 08/2010  Comments: Account paid for less than full balance, Charged off account   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2010 30 60 90 120 150 150 150 * 2009 30 30 * * * 30 60 90 120 * * * 2008 * * * * * 30 60 90 120 * * * 2007 * * * * * * * * * *
FIRST PREMIER		01/2003	$0	10/2007		CHARGE-OFF	$250
FIRST PREMIER 3820 N Louise Ave Sioux Falls, SD-571070145 (605) 357-3440 Account Number: Current Status: CHARGE-OFF  Account Owner: Individual Account.  High Credit: Type of Account : Revolving Credit Limit: $250   Term Duration: Terms Frequency: Date Opened: 01/2003   Balance: $0   Date Reported: 10/2007  Amount Past Due: Date of Last Payment: 03/2005  Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 09/2005  Months Reviewed: 56  Creditor Classification: Activity Description: N/A  Charge Off Amount: $400   Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Credit Card  Date of First Delinquency: 05/2005  Comments: Charged off account   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2007 CO CO CO CO CO CO CO CO CO 2006 * * * * * * * * CO CO CO CO 2005 * * * * * 30 60 90 120 * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * *
GEMB/JC PENNEYS		08/1999	$0	09/2010		PAYS AS AGREED
GEMB/JC PENNEYS PO Box 981402 El Paso, TX-799981402 (800) 542-0800 Account Number: Current Status: PAYS AS AGREED  Account Owner: Individual Account.  High Credit: $61   Type of Account : Revolving Credit Limit: Term Duration: Terms Frequency: Monthly (due every month)  Date Opened: 08/1999   Balance: $0   Date Reported: 09/2010  Amount Past Due: Date of Last Payment: 12/2000  Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: 12/2000  Date Major Delinquency First Reported: Months Reviewed: 99  Creditor Classification: Activity Description: Paid and Closed  Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: 09/2000  Type of Loan: Charge Account  Date of First Delinquency: N/A Comments: Account closed by credit grantor   81-Month Payment History No 81-Month Payment Data available for display.

Other Accounts

These are all accounts that do not fall into the other categories and can include 30-day accounts such as American Express.

Closed Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
ARROW FINANCIAL SERV	PREMIER B-	09/2007	$698	12/2009	$698	COLLECTION ACCOUNT
ARROW FINANCIAL SERVICES L 5996 W Touhy Ave Niles, IL-607144610   Account Number: PREMIER B- Current Status: COLLECTION ACCOUNT  Account Owner: Individual Account.  High Credit: $400   Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 09/2007   Balance: $698   Date Reported: 12/2009  Amount Past Due: $698  Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 12/2007  Months Reviewed: 24  Creditor Classification: Activity Description: N/A  Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer)  Date of First Delinquency: 04/2005  Comments: Collection account   81-Month Payment History No 81-Month Payment Data available for display.

[beegeez]

Negative Accounts

Open Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
CREDIT ONE BANK		04/2008	$333	09/2010		PAYS AS AGREED	$350
CREDIT ONE BANK PO Box 98873 Las Vegas, NV-891938873   Account Number: Current Status: PAYS AS AGREED  Account Owner: Individual Account.  High Credit: $367   Type of Account : Revolving Credit Limit: $350   Term Duration: Terms Frequency: Monthly (due every month)  Date Opened: 04/2008   Balance: $333   Date Reported: 09/2010  Amount Past Due: Date of Last Payment: 09/2010  Actual Payment Amount: $34   Scheduled Payment Amount: $25   Date of Last Activity: 09/2010  Date Major Delinquency First Reported: Months Reviewed: 29  Creditor Classification: Activity Description: N/A  Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Credit Card  Date of First Delinquency: N/A Comments: 81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2010 * * * * * * * * 2009 30 * * * * 30 * * * * * * 2008 * * * * * * * * *

Closed Accounts

Account Name	Account Number	Date Opened	Balance	Date Reported	Past Due	Account Status	Credit Limit
ARROW FINANCIAL SERV	PREMIER B-	09/2007	$698	12/2009	$698	COLLECTION ACCOUNT
ARROW FINANCIAL SERVICES L 5996 W Touhy Ave Niles, IL-607144610   Account Number: PREMIER B-  Current Status: COLLECTION ACCOUNT  Account Owner: Individual Account.  High Credit: $400   Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 09/2007   Balance: $698   Date Reported: 12/2009  Amount Past Due: $698  Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 12/2007  Months Reviewed: 24  Creditor Classification: Activity Description: N/A  Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer)  Date of First Delinquency: 04/2005  Comments: Collection account   81-Month Payment History No 81-Month Payment Data available for display.
CARE CREDIT/GEMB	X	03/2007	$0	09/2010		CHARGE-OFF	$6,500
CARE CREDIT/GEMB PO Box 981439 El Paso, TX-799981439 (866) 396-8254 Account Number: Current Status: CHARGE-OFF  Account Owner: Joint Account  High Credit: Type of Account : Revolving Credit Limit: $6,500   Term Duration: Terms Frequency: Monthly (due every month)  Date Opened: 03/2007   Balance: $0   Date Reported: 09/2010  Amount Past Due: Date of Last Payment: 07/2010  Actual Payment Amount: Scheduled Payment Amount: $99   Date of Last Activity: N/A Date Major Delinquency First Reported: 08/2010  Months Reviewed: 41  Creditor Classification: Activity Description: Paid and Closed  Charge Off Amount: $2,823   Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Charge Account  Date of First Delinquency: 08/2010  Comments: Account paid for less than full balance, Charged off account   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2010 30 60 90 120 150 150 150 * 2009 30 30 * * * 30 60 90 120 * * * 2008 * * * * * 30 60 90 120 * * * 2007 * * * * * * * * * *

[beegeez]

FIRST PREMIER	X	01/2003	$0	10/2007		CHARGE-OFF	$250
FIRST PREMIER 3820 N Louise Ave Sioux Falls, SD-571070145 (605) 357-3440 Account Number: Current Status: CHARGE-OFF  Account Owner: Individual Account.  High Credit: Type of Account : Revolving Credit Limit: $250   Term Duration: Terms Frequency: Date Opened: 01/2003   Balance: $0   Date Reported: 10/2007  Amount Past Due: Date of Last Payment: 03/2005  Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 09/2005  Months Reviewed: 56  Creditor Classification: Activity Description: N/A  Charge Off Amount: $400   Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Credit Card  Date of First Delinquency: 05/2005  Comments: Charged off account   81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2007 CO CO CO CO CO CO CO CO CO 2006 * * * * * * * * CO CO CO CO 2005 * * * * * 30 60 90 120 * * * 2004 * * * * * * * * * * * * 2003 * * * * * * * * * * * *

Back to Top

Collections

A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed.

AMERICAN ACCOUNTS ADVISORS
Agency Address:	3904 Cedarvale Dr (651) 405-9760
Date Reported:	09/2010
Date Assigned:	01/2006
Creditor Classification:
Creditor Name:	EMERGENCY PHY PROF ASC FAIRV
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$184
Date of 1 st Delinquency:	12/2005
Balance Date:	09/2010
Balance Owned:	$184
Last Payment Date:	N/A
Status Date:	09/2010
Status:	D - Unpaid
Comments:	Medical

RIVER COLLECTION & RECOVERY
Agency Address:	19230 Evans St NW Ste 111
Date Reported:	08/2010
Date Assigned:	09/2008
Creditor Classification:	Rental/Leasing
Creditor Name:	CITY WALK
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$2,904
Date of 1 st Delinquency:	08/2008
Balance Date:	08/2010
Balance Owned:	$3,128
Last Payment Date:	N/A
Status Date:	08/2010
Status:	D - Unpaid
Comments:	N/A

CREDIT PROTECTION
Agency Address:	PO Box 802068 Dallas, TX 753802068
Date Reported:	11/2006
Date Assigned:	04/2006
Creditor Classification:
Creditor Name:	COMCAST
Account Number:
Account Owner:	Individual Account.
Original Amount Owned:	$341
Date of 1 st Delinquency:	01/2006
Balance Date:	11/2006
Balance Owned:	$0
Last Payment Date:	N/A
Status Date:	11/2006
Status:	P - Paid
Comments:	N/A

[beegeez]

That's it!  Hopefully that makes sense to someone out there!  My score is a 550.  Not great, I know.  I was dumb with my CC's when I was younger and I'm now trying to turn things around.  My goal is (and maybe I'm dreaming here) to get to 680 in 12 months so that I can get approved for a mortgage and start a family!

[Anonymous]

did you type all that? Wow.  You know that you can take a picture of your desktop with the button "print screen or prsc" on your keyboard. Then open up paint and "paste". For future reference...

What are you trying to do? Looks like you have to do some GW's and PFD's. Good luck to you.

[beegeez]

I copied and pasted directly from my online report.  Anyway I’ve already sent the following:

American Accounts & Advisors	PFD
Arrow Financial Services	PFD
Comcast	GW
First Premier Bank	GW
GEMB Care Credit	GW
Pinnacle Financial Group	PFD
River Collection & Recovery	PFD
Credit Protection Association	GW

I sent these over 2 months ago and haven’t received any responses?  Now what?

[beegeez]

So no advice?  Do I just keep sending those letters?  How often?  To the same addresses?  I can already see that patience is going to be the hardest part of this credit improvement project...

[beegeez]

Bump

[beegeez]

Really?  Sweet forum...