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Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
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Please help me clean up my Credit Report!!!

SIgh.. I've typed this up twice and i lost it all by hitting the back button by habit!  :smileymad:

 

I made a lot of mistakes in the past years and now I'm trying to clean it up.   I dont know the first thing about cleaning this stuff up so I jst spent 2 hours typing EVERYTHING (minus account numbers and personal info lol) into an excel sheet so i can paste it here.  Please help me review this and help clean this up.

 

I have to split this up since its so large.  (too many characters)

 

SummaryExperianEquifaxTransunion
Accounts listed negative120
Collection Accounts122
Real Estate Debt$0$0$0
Installment Debt$5,296.00$5,480.00$5,666.00
Revolving Debt$0.00$0.00$0.00
% Revolving Credit Available0%0%0%
    
Judgement   
Date Filed11/30/200611/1/200611/30/2006
Asset Amount$573$573$573
    
Credit Inquiries   
Business Name Comcast 
Inquiry Date 8/23/2010 
Business Type Phone/net 
--------------------------------------------------------------------------------------------------------------------------------
Business Name GEMB (note: I was not approved) 
Inquiry Date 5/29/2010 
Business Type Sales Financing 
--------------------------------------------------------------------------------------------------------------------------------
Business Name  Weltman Wein
Inquiry Date  2/20/2010
Business Type  Collection Services
--------------------------------------------------------------------------------------------------------------------------------
Business Name Captlmgmt 
Inquiry Date 12/22/2009 
Business Type other (note:Collection agency) 
--------------------------------------------------------------------------------------------------------------------------------
Business Name  NES
Inquiry Date  6/8/2009
Business Type  Collection Services
--------------------------------------------------------------------------------------------------------------------------------
Business NameG C Services  
Inquiry Date2/11/2009  
Business TypeOther Collection Agencies  
--------------------------------------------------------------------------------------------------------------------------------
Business Name  Student Assi
Inquiry Date  1/27/2009
Business Type  Collection Services
--------------------------------------------------------------------------------------------------------------------------------
    



 

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
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Re: Please help me clean up my Credit Report!!!

Credit Cards, Loans & Other Debt
Acount/ItemExperianEquifaxTransunionPayment History
POTENTIALLY NEGATIVE    
Account NameCash-Pro IncCash-Pro IncCash-Pro Inc 
Account TypeCollection Dept/agency/attorneyCollection AccountCollection Account 
Balance$405.00$405.00$405.00 
Past Due$405.00-- 
Date Opened8/1/20048/1/20048/25/2004 
Account StatusClosed-Open 
Mo. Payment--- 
Payent StatusSeriously Past due date/ assigned to attorney, collection agency, or credit grantor's internal collection departmentUnpaidCollection Account 
High Balance--- 
Limit--- 
Terms1 Month-- 
Comments UnpaidPlaced for collectionLast reported KD in October 2005, only shown on Experian
     
POTENTIALLY NEGATIVE    
Account Name  RECVMGT 
Account Type  Collection Account 
Balance  $192.00 
Past Due  - 
Date Opened  9/3/2004 
Account Status  Open 
Mo. Payment  - 
Payent Status  Collection Account 
High Balance  - 
Limit  - 
Terms  - 
Comments  Placed for CollectionNothing reported on monthly history
     
POTENTIALLY NEGATIVE CLOSED    
Account NameCAP ONECAPITAL ONE BANK USACAP ONE 
Account TypeCredit Card - Revolving TermsRevolving or OptionRevolving Account 
Balance-$0.00$0.00 
Past Due--$0.00 
Date Opened1/1/20041/1/20041/24/2004 
Account StatusClosed-Closed 
Mo. Payment--- 
Payent StatusLegally Paid in full for less than the full balanceBad debt & placed for collection & skipPayment after charge off/collection 
High Balance$506.00$505.00$505.00 
Limit--- 
TermsRevolving-- 
CommentsElection of remedy - reported by subscriberSettlement accepted on this account.  Paid accound / zero balanceSettled; less than full balanceLast reported as KD on EX 01/2007  Showed OK on EQ.  Nothing reported on TU
3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Please help me clean up my Credit Report!!!

Acount/ItemExperianEquifaxTransunionPayment History
POTENTIALLY NEGATIVE CLOSED    
Account NameFIRST UNITED BANKSFIRST MERCHANCTS BANK  
Account TypeAuto LoanInstallment  
Balance-$0.00  
Past Due--  
Date Opened12/1/200512/1/2005  
Account StatusClosed-  
Mo. Payment-$200.00  
Payent StatusPast Due 30 days two timesNot more than two payments past due  
High Balance-$11,585.00  
Limit--  
Terms24 months-  
CommentsTransferred to another lender or claim purchaseAccount transferred or sold auto Reported (30) only once in April, 2007 on EA and EQ
     
POTENTIALLY NEGATIVE CLOSED    
Account NameHSBC/BSBUY HSBC/ BSTBY 
Account TypeRevolving Charge Account Revolcing Account 
Balance$0.00 $0.00 
Past Due$0.00 $0.00 
Date Opened8/1/2003 8/28/2003 
Account StatusClosed Closed 
Mo. Payment- - 
Payent StatusCredit Line closed Charged off as bad debt 
High Balance$1,004.00 $1,004.00 
Limit$800.00 $800.00 
TermsRevolving  - 
CommentsAccount in dispute-reported by subscriber Account infortmation disputed by consumerNothing reported in montly history
     
POTENTIALLY NEGATIVE CLOSED    
Account Name LVNV FUNDING LLCLVNV FUNDING 
Account Type Open AccountOpen Account 
Balance $0.00$0.00 
Past Due -$0.00 
Date Opened 9/1/20069/19/2006 
Account Status -Closed 
Mo. Payment -- 
Payent Status At least 120 days or more than four payments past duePayment after charge off/ collection 
High Balance $1,005.00$1,005.00 
Limit -- 
Terms -- 
Comments Settlement accepted on this accountAccount information disputed by consumerOnly history is (OK)'s for 24/mo on EQ only nothing on rest.
3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Please help me clean up my Credit Report!!!

Acount/ItemExperianEquifaxTransunionPayment History
POTENTIALLY NEGATIVE CLOSED    
Account NameSALLIE MAESALLIE MAE-FFELPSALLIE MAEPRIVATE LOAN NOT FEDERAL
Account TypeEducation loanInstallmentInstallment account 
Balance-$0.00$0.00 
Past Due--$0.00 
Date Opened12/1/200512/1/200512/28/2005 
Account StatusClosed-Closed 
Mo. Payment-$0.00$0.00 
Payent StatusPaid, was a charge-offBad debt & placed for collection & skipPayment after charge off/ collection 
High Balance-$4,000.00$4,000.00 
Limit--- 
Terms65 months-65 months 
Comments-Paid Charge off Student LoanSettled; less than full balanceShowed (KD) on EQ and EQ from 8/08 til 07/10 (paid off in June)
Acount/ItemExperianEquifaxTransunionPayment History
?Unknown    
Account Name -  
Account Type Collection Account  
Balance $250.00  
Past Due -  
Date Opened 11/1/2004  
Account Status -  
Mo. Payment -  
Payent Status Unpaid  
High Balance -  
Limit -  
Terms -  
Comments Medical Unpaid  
     
?Unkown    
Account Name HSBC BEST BUY  
Account Type Revolving or Option  
Balance $0.00  
Past Due -  
Date Opened 8/1/2003  
Account Status -  
Mo. Payment $61.00  
Payent Status Bad Debt & placed for colelction & skip  
High Balance $800.00  
Limit -  
Terms -  
Comments Account Transferred or Sold Shows (OK) from 5/2008 til 5/2010 in EQ only
     
3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Please help me clean up my Credit Report!!!

[ Edited ]
Acount/ItemExperianEquifaxTransunionPayment History
Current    
Account NameFirst Merchants BankFirst Merchants BankFirst Merchants Bank 
Account TypeAuto LoanInstallmentInstallment Account 
Balance$1,540.00$1,724.00$1,919.00 
Past Due--$0.00 
Date Opened1/1/20081/1/20081/9/2008 
Account StatusOpen-Open 
Mo. Payment$203.00$203.00$203.00 
Payent StatusCurrentPays account as agreedPaid or Paying as areed 
High Balance-$8,308.00$8,308.00 
Limit--- 
Terms52 Months-52 months 
Comments Auto Fixed Rate All bureaus show (OK) across the board
     
Current    
Account NameSALLIE MAESALLIE MAE-FFELPSALLIE MAE 
Account TypeEducation loanInstallmentInstallment Account 
Balance$1,435.00$1,435.00$2,321.00 
Past Due--$0.00 
Date Opened8/1/20058/1/20058/24/2005 
Account StatusOpen-Open 
Mo. Payment$20.00$20.00$32.00 
Payent StatusCurrent, was past due 120 daysPays account as agreedPaid or paying as agreed 
High Balance-$1,313.00$2,000.00 
Limit--- no 30s or 60s???
Terms80 months-80 months 
Comments Student loan variable rate  Feb 09 (90) March 09 (120)
     Aug 09 (90) Sep 09 (120)
Current    
Account NameSALLIE MAESALLIE MAE-FFELPSALLIE MAE 
Account TypeEducation LoanInstallmentInstallment Account 
Balance$2,321.00$2,321.00$1,435.00 
Past Due--$0.00 
Date Opened8/1/20058/1/20058/24/2005 
Account StatusOpen-Open 
Mo. Payment$32.00$32.00$20.00 
Payent StatusCurrent, was past due 120 daysPays account as agreedPaid or paying as agreed 
High Balance-$2,000.00$1,313.00 no 30s or 60s???
Limit--- Feb 09 (90) March 09 (120)
Terms80 months-80 months  Aug 09 (90) Sep 09 (120)
Comments Student loan variable rate  
3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Please help me clean up my Credit Report!!!

Acount/ItemExperianEquifaxTransunionPayment History
Current Closed    
Account NameFIRST MERCHANTS BANKFIRST MERCHANTS BANKFST MERCHNTS 
Account TypeAuto loanInstallmentInstallment Account 
Balance-$0.00$0.00 
Past Due--$0.00 
Date Opened10/1/200510/1/200510/6/2005 
Account Status--Closed 
Mo. Payment-$60.00$60.00 
Payent StatusPaid satisfactorilyPays account as agreedPaid or paying as agreed 
High Balance-$4,472.00$4,472.00 
Limit--- 
Terms42 months-42 months 
Comments Paid account / zero balance autoClosed(OK)'s across the board for all 3
     
Current Closed    
Account NameFIRST MERCHANTS BANKFIRST MERCHANTS BANKFST MERCHNTS 
Account TypeAuto LoanInstallmentInstallment Account 
Balance-$0.00$0.00 
Past Due-0$0.00 
Date Opened12/1/200512/1/200512/7/2005 
Account StatusClosed-Closed 
Mo. Payment-$8,360.00$8,360.00 
Payent StatusPaid, was past due 60 daysPays account as agreedPaid or paying as agreed 
High Balance-$11,585.00$11,585.00 
Limit--- 
Terms24 months-24 months 
Comments-Paid Account / Zero Balance AutoClosedShows (30) and (60) a couple times
     
Current Closed    
Account NameFIRST MERCHANTS BANKFIRST MERCHANTS BANK  
Account TypeAuto loanInstallment  
Balance-$0.00  
Past Due--  
Date Opened10/1/200510/1/2005  
Account StatusClosed-  
Mo. Payment-$127.00  
Payent StatusCurrentPays account as agreed  
High Balance-$4,472.00  
Limit--  
Terms42 months-  
CommentsTransferred to another lender or claim purchasedAccount transferred or sold Auto Shows (OK) on ES and EQ all months
3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Please help me clean up my Credit Report!!!

Acount/ItemExperianEquifaxTransunionPayment History
Current Closed    
Account NameFIRST MERCHANTS BANKFIRST MERCHANTS BANKFST MERCHNTS 
Account TypeAuto LoanInstallmentInstallment Account 
Balance-$0.00$0.00 
Past Due--$0.00 
Date Opened8/1/20058/1/20058/30/2005 
Account StatusClosed-Closed 
Mo. Payment-$150.00$150.00 
Payent StatusPaid satisfactorilyPays account as agreedPaid or paying as agreed 
High Balance-$8,585.00$8,585.00 
Limit--- 
Terms25 months-25 months 
Comments-Paid Account / Zero Balance AutoClosedShows (OK) on all bureaus PAID in JAN 06
     
Current Closed    
Account NameFIRST UNITED BANKFIRST MERCHANTS BANKFST UNITD BNK 
Account TypeAuto LoanInstallmentInstallment Account 
Balance-$0.00$0.00 
Past Due--$0.00 
Date Opened6/1/20056/1/20056/30/2005 
Account StatusClosed-Closed 
Mo. Payment-$275.00$275.00 
Payent StatusPaid satisfactorilyPays account as agreedPaid or paying as agreed 
High Balance-$16,085.00$16,085.00 
Limit--- 
Terms61 months-61 months 
Comments-Paid Account / Zero Balance AutoClosedShows (OK) on all bureaus PAID in SEPT 05
     
Current Closed    
Account NameFIRST UNITED BANKFIRST MERCHANTS BANKFST UNITD BNK 
Account TypeAuto LoanInstallmentInstallment Account 
Balance-$0.00$0.00 
Past Due--$0.00 
Date Opened9/1/20049/1/20049/9/2004 
Account StatusClosed-Closed 
Mo. Payment-$250.00$250.00 
Payent StatusPaid satisfactorilyPays account as agreedPaid or paying as agreed 
High Balance-$13,092.00$13,092.00 
Limit--- 
Terms48 months-48 months 
Comments-Paid Account / Zero Balance AutoClosedShows (OK) on all bureaus PAID in MAY 2005
3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Please help me clean up my Credit Report!!!

Acount/ItemExperianEquifaxTransunionPayment History
Current Closed    
Account NameFIRST UNITED BANKFIRST MERCHANTS BANKFST UNITD BNK 
Account TypeAuto LoanInstallmentInstallment Account 
Balance-$0.00$0.00 
Past Due--$0.00 
Date Opened9/1/20039/1/20039/25/2003 
Account StatusClosed-Closed 
Mo. Payment-$103.00$103.00 
Payent StatusPaid, was past due 30 daysPays account as agreedPaid or paying as agreed 
High Balance-$3,596.00$3,596.00 
Limit--- 
Terms42 months-42 months 
Comments-Paid Account / Zero Balance AutoClosedShows (OK)  (1 (30))on all bureaus PAID in SEPT 05
     
Current Closed    
Account NameFIRST UNITED BANKFIRST MERCHANTS BANKFST UNITD BNK 
Account TypeAuto LoanInstallmentInstallment Accountlooks to be same account as above, same numbers too???
Balance-$0.00$0.00 
Past Due--$0.00 
Date Opened1/1/20031/1/20031/8/2003 
Account StatusClosed-Closed 
Mo. Payment-$103.00$103.00 
Payent StatusPaid satisfactorilyPays account as agreedPaid or paying as agreed 
High Balance-$3,596.00$3,596.00 
Limit--- 
Terms42 months-42 months 
Comments- ClosedShows (OK) on all bureaus PAID in AUG 2003
     
Current Closed    
Account NameLVNV FUNDING   
Account TypeUnknown - credit extension, review, or collection  Same LVNV account as above, not sure why its down here alone??
Balance-   
Past Due-   
Date Opened9/1/2006   
Account StatusClosed   
Mo. Payment-   
Payent StatusLegally paid in full for less than the full balance   
High Balance-   
Limit-   
Terms1 month   
CommentsElection of remedy - reported by subscriber  Shows (KD) from AUG 08 till April 2010
3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Please help me clean up my Credit Report!!!

hope that all makes sense how I had to format it to work ont he forum.  Again, thank you ALL so much in advance for any help provided! 

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Please help me clean up my Credit Report!!!

Welcome to the forums!

 

I'm moving your thread to the rebuilding credit forum. Good Luck!

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

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