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My history is pretty bad, I was young and stupid and figured it wouldn't come back to bite me. My current Experian Score is 592, but about 6 months ago it was 542. I have 7 accounts in collections, one installment account that is current and w/ $0 balance, one credit card with $500 limit and only $29 balance. I've had the credit card for a little over a year and always been on time. I'm working on paying the collection accounts (it used to be 11 accounts).
Account 1
Acct Name: Ford Credit
Acct Type: Auto Loan
Date Opened: 10/1/2001
Acct Status: Closed
Payment Status: Paid, was a charge-off
Account 2
Acct Name: Wells Fargo Banck
Acct Type: Credit Card
Date Opened: 8/1/2002
Acct Status: Closed
Payment Status: Paid satisfactorily
High Balance: $911
Limit: $500
Terms: Revolving
Comments: Credit line closed-grantor request-reported by subscriber
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