Hello, i'm currently working on rebuilding my credit. There are 2 charge offs and 2 collections ( for those charge offs) on all three credit reports. I would love some adivce on the best course of action. I am in MA and the SOL is 6 years. Thank you! I do have positive TL's, the ones posted below are the only negative items on my report. I also have paper copies of my report just not with me right now. MyFico scores (FICO8) are currently EQ: 654 TU: 643 and EX: 648
This is what it looks like on Experian:
Account 1:
Account name
COMENITY BANK/EXPRESS
Recent balance
Not reported
PO BOX 182789
COLUMBUS,
OH 43218No phone number available
Address identification number
0000621071
Credit limit or original amount
Not reported
High balance
$1,667
Monthly payment
$0
Recent payment amount
Not reported
Date of status
02/2015
First reported
01/2013
Responsibility
Individual
Comment
Purchased by another lender.
Account 2:
Account name
COMENITY BANK/VCTRSSEC
Recent balance
Not reported
Status
Closed. $1,171 written off.
COLUMBUS,
OH 43218No phone number available
Address identification number
0788274468
Credit limit or original amount
$370
High balance
$1,171
Monthly payment
$0
Recent payment amount
Not reported
Date of status
02/2015
First reported
04/2007
Responsibility
Individual
Comment
Purchased by another lender.
COLLECTION 1
Account name
PORTFOLIO RECOVERY ASSOCIATES
Recent balance
$1,668 as of 07/08/2015
Status
Collection account. $1,668 past due as of Jul 2015.
20 CORPORATE BLVD STE 100
NORFOLK,
VA 23502800 772 1413
Address identification number
0000621071
Original creditor
WORLD FINANCIAL NETWORK BANK
Type
Debt Buyer
Terms
1 Months
On record until
May 2019
Credit limit or original amount
$1,668
High balance
$0
Monthly payment
$0
Recent payment amount
$0
Date of status
05/2014
First reported
05/2014
Responsibility
Individual
COLLECTION 2
Account name
PORTFOLIO RECOVERY ASSOCIATES
Recent balance
$1,172 as of 07/08/2015
Status
Collection account. $1,172 past due as of Jul 2015.
120 CORPORATE BLVD STE 100
NORFOLK,
VA 23502800 772 1413
Address identification number
0000621071
Original creditor
WORLD FINANCIAL NETWORK BANK
Type
Debt Buyer
Terms
1 Months
On record until
Aug 2019
Credit limit or original amount
$1,172
High balance
$0
Monthly payment
$0
Recent payment amount
$0
Date of status
11/2014
First reported
11/2014
Responsibility
Individual
Also under the potentially negative items section is a capital one credit card that I had that was closed and I paid off and this is what it shows:
Account name
CAPITAL ONE BANK USA NA
Account number
XXXXXXXXXXXX
Recent balance
$0 as of 07/17/2015
SALT LAKE CITY, UT 84130800 955 7070
Address identification number
0000220565
Credit limit or original amount
$1,500
High balance
$1,702
Monthly payment
$8
Recent payment amount
$0
Date of status
02/2013
First reported
02/2005
Responsibility
Individual
