@Anonymous wrote:Here are my tradelines:
The Good:
2 yr Old Auto Loan – Current, Never Late
1 yr Old Joint Auto Loan with Wife - Current, Never Late
$250 Cap One Secured CC – Approved May 26, 2016
$200 Discover IT Secured CC - Approved May 26, 2016
$200 OpenSky Secured CC – Approved May 26, 2016
$300 Fingerhut Credit – Approved May 28, 2016
$400 Credit One Platinum Unsecured CC – Approved May 29, 2016
$300 Indigo Platinum Unsecured CC – Approved May 29, 2016
The Bad:
Cap One CC – CO with a balance over original credit limit; Last activity Sept. 2014
US Dept of ED / Great Lakes Student Loan – 150 Days late (Jan-Mar 2016); Current now
American Credit Acceptance Auto Loan – Closed / Paid as Agreed; Reported 30 days late; Last activity April 2014
US Dept of ED Direct Student Loan - Closed / Paid as Agreed; Reported 90 days late; Last activity June 2012 (there are three of them like this)
US Dept of ED Direct Student Loan - Closed; Reported 120 days past due; Last activity July 2012
US Dept of ED Direct Student Loan - Closed; Reported 120 days past due; Last activity Nov 2011 (there are two of them like this)
Fed Loan Servicing Student Loan – Closed; Reported 90 days late; Last activity June 2014 (there are four of them like this)
Sallie Mae Student Loan - Closed / Paid as Agreed; Reported 90 days late; Last activity June 2012
The Ugly:
Wells Fargo Auto Loan – Repo/ CO; Reported in Collection; Last activity Jan 2011
NCSECU Auto Loan - Repo/ CO; Last activity Sept 2009; Status date Apr 2016 showing 90 days late but I haven’t sent any money or asked about it…
Collection for Eviction – Unpaid; Date assigned Sept 18, 2013
Medical Bill Collection 1 – Unpaid; Date assigned June 20, 2011
Medical Bill Collection 2 – Unpaid; Date assigned June 20, 2011
Collection for Washer/Dryer Rental - Unpaid; Date assigned June 12, 2012
Civil Judgement – Unpaid; Date Filed May 2010
I also see you did too many SCTs, keep like 2 prime cards like 2 SCTs that up will use, payoff and close the rest, use the prime frequently, keep under 30%, next year use prime prequal pages to see if u are credit worthy. But don't open anymore. I started with 3 cards 3 years ago after bk7,you need like a 700 score, will be an uphill climb, best of luck.
All those SCTs gonna kill ur AAoA's. but I guess it's doesn't matter much.