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Ive been in the process of trying to get my credit together for some time now. I have 6 items in colleections as stated below
Equifax- medical collections from 2012 $584
medical collections from 2012 $70
Experian- six flags membership from 2015 $547
Enhanced Recovery -Sprint 2012 $384 - account legally paid in full for less than full balance
Reporting on all three:
Stellar Recovery -comcast 2015 - $284
Resident collect Inc. 2013- $1,360
5 credit inquiries from march 6,2015- october 29, 2015- but there is more for this year that has not been updated
Installements accounts:
student loans- deferred 10,500
Santander- $18576- 30 day late once in Jan 2015 but had the car since 2014
Credit Acceptance closed 2014- voluntary surrender owed $9,940- went to court over judgement and got it reduced to $5000
Revolving accounts:
Capital one secured $200 limit - currently $150 balance
Cap 1 quick silver $500 limit- $384 balance
citibank secured- $0 balance - closeed by creditor
MCU over draft from 2011 - paid charge off
Mcu over draft from 2013 limit $250 - $0 balance
First premier $459 - charge off as bad debt from 2009 status date 2/15
Frist premier AU closed and paid as agreed 2012
Victoria Secret credit limit $300 with $120 balance -recently obtained less than a month ago
limited cc $300 limit with $47 balance - recently obtained less than a month ago
Kohls cc $300 limit- 100 balance - recently obtained less than a month ago
Just signed up with Navy federal CU and Pen Fed CU
current fico model 8 scores : Equifax 604, Transunion 591, Experian 576
My ideal goal would be at least 670 across the board realistically at least for now.
Based on my info besides (of course paying off my collections) is there anything special that
I can doto boost my grades? or should I dispute some items or attempt to apply for more cards?
Any help or advice is needed please ...Im semi- desperate
For unpaid medical debt that is reporting on your CR:
1. Call the OC and see if you qualify for Charity Care
2. If not then ask that they recall the collection in exchange for full payment
3. Send the reporting CA a PFD offer
4. Google the HIPAA Process and contact its creator for help