This forum has been a tremendous help!!! THANK YOU!!! To everyone that post !!! I am learning so much…. I still have a ways to go to improve my score and clean up my report. I am not sure what direction I should go for both my husband and I. My score are a little higher than my husband. I’m thinking the 120-day late on the student loan caused his scores to take a big hit along with a few baddies. We are both sign with My FICO and Credit Karma. He has a lot of medical collection. Will paying these off help high score? This month I applied for tons of credit and added my husband as an AA. We had some times due to our son being extremely ill causing us to fall a little behind on a few things!! Now we are ready to purchase our 1st home within the next year using my VA loan I am just a little stuck on how I should attack these collections. Any help, guidance, assistance, strategy would be greatly appreciated. I would like to bump our scores to 700 across the board Dec15/Jan16.
312
$312
PAID
Sep 20, 2010
XXXXXX9916
Individual
Medical
Focus Receivables MGMT
ORIGINAL LENDER Time Warner Cable
ORIGINAL BALANCE $483 - $483
CURRENT BALANCE $483 - $483
STATUS Unpaid - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Jun 03, 2014 - Jun 03, 2014
ACCOUNT HOLDER Individual
St Of Md-Ccu (ERROR working on removal with the University and CCU)
Univ MD
$1,044
$1,044
Collection account
Oct 23, 2012
XXXXXXX
Individual
Placed for collection
Valley Credit Service
ORIGINAL BALANCE $111 - $111
CURRENT BALANCE $111 - $111
STATUS Unpaid - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Jan 10, 2013 - Nov 19, 2010
Medical
Kinum
09 Music And Arts
$1,067
$1,067
Collection account
Nov 01, 2014
XXXXXXXX3607
Individual
Placed for collection
COLLECTION AGENCY 491YC00000 - -
ORIGINAL LENDER - - -
ORIGINAL BALANCE $620 - -
CURRENT BALANCE $495 - -
STATUS Unpaid - -
DATE ASSIGNED Feb 28, 2013 - -
ACCOUNT NUMBER XXXXXX - -
ACCOUNT HOLDER Individual - -
DESCRIPTION Medical
Profess Acct (Should be removed soon)
PAID
District Of Columbia Govt
$360
$360
Collection account
Mar 03, 2015
XXXXXXXX
Individual
Placed for collection
COLLECTION AGENCY 241YC00000 Medicredit Medicredit, Inc
ORIGINAL BALANCE $239 $239 $239
CURRENT BALANCE $239 $239 $239
STATUS Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Dec 30, 2014 Dec 30, 2014 Dec 30, 2014
Guardian Capital Manag
$363
Paid account/was a collection account, insurance claim or government claim or was terminated for default
Jun 07, 2011
XXXXXX
Individual
COLLECTION AGENCY 867YA00000 -
Credit Financial Service
ORIGINAL BALANCE $122 - $122
CURRENT BALANCE $122 - $122
STATUS Unpaid - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Dec 17, 2013 -Dec 17, 2013
Medical
Cab Coll
$3,921
$3,921
Collection account
Jan 19, 2011
XXXXXXXX
Individual
Account information disputed by consumer
COLLECTION AGENCY 905YC00000 -
IC System Inc
- -
ORIGINAL BALANCE $230 - $230
CURRENT BALANCE $230 - $230
STATUS Unpaid - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
DATE ASSIGNED Aug 15, 2012 - Aug 15, 2012
Medical
American Credit Bureau
$547
PAID
Paid account/was a collection account, insurance claim or government claim or was terminated for default
Feb 17, 2012
XXXXXX
Individual
Dispute Resolved - Consumer Disagrees
Medcah Inc
$93
$93
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
Dec 02, 2009
XXXXXXX
Individual
Mrs Bpo Llc
Time Warner Cable
$445
$445
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
Aug 19, 2014
Individual
Online Collections
$319
$319
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
Apr 08, 2015
6031XXXXXXXXXXXX
Individual
COLLECTION AGENCY 491YC00000 - -
ORIGINAL LENDER - - -
ORIGINAL BALANCE $153 - -
CURRENT BALANCE $153 - -
STATUS Unpaid - -
DATE ASSIGNED Aug 14, 2013 - -
ACCOUNT NUMBER XXXXXX - -
ACCOUNT HOLDER Individual - -
DESCRIPTION Medical
Starting Score-EQ-605 TU-623 EX-608 (MyFico scores)/EQ-557 TU-562 EX-579
Goal Scores-720's across the board
