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I have been lurking on this board for months while on my journey to rebuild my credit. Due to some posts I have made great strides but I don’t feel like it is enough. I spoke to a mortgage broker who stated that I can’t have any disputes on my report and must have a 640 to qualify for USDA loan;. This is from my recent Experian report. Within the past two months, I have had 5 collections removed from my report. Since April my score has graduated from 568 to 634. What do I need to do now? Any additional help would be greatly appreciated. Is it possible to meet this by mid-August? Thanks for taking the time to review and any input given.
GECRB/JCP
Potentially Negative Closed
800-542-0800
Account # 60081XXXX
Account Type Charge Account
Balance $0.00
Date Opened 11/1/2004
Account Status Closed
Mo. Payment $0.00
Close Account Details Past Due $0.00
Payment Status Charge-off
High Balance
Limit $0.00
Terms Revolving
Comments Transferred to another lender or claim purchased
24-Month Payment History
2008 2009 2010
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
OK OK 30 60 90 120 120 90 OK OK OK OK 30 60 90 120 120 KD KD KD KD KD KD OK
LOSFA
Current Closed
800-256-6882
Account # 2956503XXXX
Account Type Education Loan
Balance
Date Opened 11/1/2008
Account Status Closed
Mo. Payment
Close Account Details Past Due
Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default
High Balance $3,276.00
Limit
Terms Unknown
Comments
2008 2009 2010
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 KD
LOSFA
Current Closed
800-256-6882
Account # 1956503XXXX
Account Type Education Loan
Balance
Date Opened 7/1/2008
Account Status Closed
Mo. Payment
Close Account Details Past Due
Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default
High Balance $2,392.00
Limit
Terms Unknown
2008 2009 2010
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 120 KD KD
CAP ONE
Current Closed
No Phone Provided
Mailing Address:
PO BOX 85520
RICHMOND, VA 23285
Account Name CAP ONE
Account # 48623624XXXX
Account Type Credit Card
Balance
Date Opened 8/1/2004
Account Status Closed
Mo. Payment
Close Account Details
Past Due
Payment Status Legally paid in full for less than the full balance
High Balance
Limit $500.00
Terms Revolving
Comments Account was in dispute-now resolved-reported by subscriber
CAP ONE
Current
No Phone Provided
Account Name CAP ONE
Account # 51780583XXXX
Account Type Credit Card
Balance $0.00
Date Opened 5/1/2012
Account Status Open
Mo. Payment $15.00
Close Account Details
Past Due
Payment Status Current
High Balance $455.00
Limit $500.00
Terms Revolving
CAP ONE
Current
No Phone Provided
RICHMOND, VA 23285
Account Name CAP ONE
Account # 0XXXX
Account Type Credit Card
Balance $79.00
Date Opened 5/1/2010
Account Status Open
Mo. Payment $25.00
Past Due
Payment Status Current, was past due 150 days
High Balance $707.00
Limit $320.00
Terms Revolving
Comments Account was in dispute-now resolved-reported by subscriber
RECEIVABLE RECOVERY SE
Current Closed
504-837-0116
Account Name RECEIVABLE RECOVERY SE
Account # XXXX
Account Type Collection Department / Agency / Attorney
Balance
Date Opened 9/1/2009
Account Status Closed
Mo. Payment
Close Account Details
Past Due
Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default
High Balance
Limit
Terms 1 Month
SALLIE MAE
Potentially Negative Closed
Account # 9565034723100012003XXXX
Account Type Education Loan
Balance $0.00
Date Opened 10/1/2003
Account Status Closed
Mo. Payment $0.00
Close Account Details Past Due $0.00
Payment Status Claim filed with government for insured portion of balance on loan
High Balance
Limit
Terms 239 Months
Comments Account in dispute-reported by subscriber
GM FINANCIAL
Current Closed
ARLINGTON, TX 76096
Account # 43211XXXX
Account Type Auto Loan
Balance
Date Opened 9/1/2006
Account Status Closed
Mo. Payment
Close Account Details Past Due
Payment Status Paid, was past due 60 days
High Balance
Limit
Terms 79 Months
Comments Account in dispute-reported by subscriber
2010 2011 2012
Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 OK OK 30 60 60 OK OK OK
EDFINANCIAL/LELA GRAD
Potentially Negative Closed
800-337-6884
Mailing Address:
120 N SEVEN OAKS DR
KNOXVILLE, TN 37922
Account Name EDFINANCIAL/LELA GRAD
Account # 4682297174ED0XXXX
Account Type Education Loan
Balance $0.00
Date Opened 10/1/2004
Account Status Closed
Mo. Payment $0.00
Close Account Details Past Due $0.00
Payment Status Claim filed with government for insured portion of balance on loan
High Balance
Limit
Terms 95 Months
Comments Account in dispute-reported by subscriber
JCP - Send GWs. Keep the 9-yr age in mind and certainly weigh that with your AAoA and factor in the 3-yr recentness of the baddies. Deleting an old CO doesn't always help your FICO. It can hurt. However I think the 3-yr old 120-day lates are hurting more than the age hurts. Again, AAoA and account history length come into play too.
LOSFA x2 - send GW asking for deletion.
CapOne x2 @ $0 - send GWs.
CapOne w/ a balance - send a PFD. If they say no, I'd just pay it off and GW later.
Receivable - GW
SM - GW
GM - GW. Again, weigh the age of the TL to your other reporting accts before wanting this off.
Ed Financial - GW.
Thank you. I have some good willing to do. I dont owe anyone and my credit cards are paid in full as well. It appears that I am only nickeling and dimeing points. Working on getting to the 700 club. Wish me luck!