Hello everyone been sometime since I visited this forum and forgot what great advice was on here. So I hit a real bad tough spot a about 7 years ago due to medical and felt like i was going to have everything taken but with determination I raised scores from low 500s to mid 600s within 9 months. After this success I slowed my rebuilding as i thought everything was coming back together and unfortunately I was wrong. Within the two years I keep having old accounts show up on my reports that bring me down or in one case I made a large payment to my Amazon store card and received a 1200 limit decrease for no apparent reason. So now as I my wife and I are getting ready to clean up the house and put it on the market I pulled the credit reports and found a bunch of issues and lower scores (according to creditkarma and creditseasame).
So right now this is what I have and maybe people can give some advice
three local collection agencies paid and satisfied : Sent a good will letter requesting removal of the medical collection(s)
Calvarey portfolio collection : Paid in full - sent goodwill letter
Barclays bank opened 2010 closed 2012 : Charge off closed, collection , settled less then full (Do i send a good will and if so what do i say?)
Walmart/Sync opened 2011 closed 2012: Charge off closed, collection : They do not show it is paid collection on two of the three credit reports. Sent goodwill letter to CEO received an email and phone call from "Office of the President" denying my request due to "required to report accurately"
Usbank opened 2011 closed 2012: Charge off, closed, Settled less then full (Do i send a good will and if so what do i say?)
Kay Jewlers Open 2010 closes 2013: Paid closed by credit grantor Shows a 60-89 day late payment 5 years ago sent a goodwill letter
My aaoa is 2 years 9 months which I wish was higher but as you can see i had several accounts close which would have brought me over the 5 year mark
Anythoughts or suggestions on dealering with the above baddies?
Currently my credit profile is
550s score currently aveage on all three credit reports
Mortgage = 7 years (missed 11 payments since 2013 sent a goodwill letter as I have always responsibly paid the payments)
Amazon/Sync= 2 years 6 months old no missed payments $250 Credit Limit (was 1400 but they cut my limit stating "due to a missed mortgage payment we chose to decrese your limit)
Cabelas Club Visa= $2000 limit no missed payments 1 year 9 monthsold
Credit One Bank = $950 limit no missed payments 2 years 6 months old (really dislike this card due to fees)
Lending Club = Personal Loan
One Main = Secured loan on vehicle title
Fingerhut $3,200 limit
