Starting credit rebuilding

[jaepp17]

Hello all new to board and I'll be starting my rebuilding process. Current EQ score is 461 TU score is 460. How should i go about repairing my credit? Here's are my list of reporting factors:

Fst Premie

Status as ofDate opened [?]Date of last activity [?]Largest past balance [?]Account Type [?]Account holder [?]Industry

Jul, 2012

Apr, 2008

May, 2008

$436

Revolving

Individual

National Credit Card Cos.

Descriptions [?]

• Charged off account
• Credit Card

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?]

$436

Bad debt/collection

$436

Seven year payment history [?]30 days late60 days late90+ days late

1 time

1 time

3 times (Oct 2008, Sep 2008, Aug 2008)

Worst Delinquency [?]

Bad debt/collection

Lvnvfundg

Status as ofDate opened [?]Date of last activity [?]Largest past balance [?]Account Type [?]Account holder [?]Industry

Nov, 2012

Dec, 2008

May, 2008

$473

Open Account

Individual

Factoring Companies

Descriptions [?]

• Consumer disputes this account information
• Collection account

No contact information provided by Equifax

Balance [?] Current Status [?] Past Due Amount [?]

$844

120+ days past due

$844

Seven year payment history [?]30 days late60 days late90+ days late

0 times

0 times

0 times

Worst Delinquency [?]Crdtonebnk

Status as ofDate opened [?]Date of last activity [?]Largest past balance [?]Account Type [?]Account holder [?]Industry

May, 2012

Apr, 2008

May, 2008

$200

Revolving

Individual

All Banks

Descriptions [?]

• Account transferred or sold
• Charged off account

No contact information provided by Equifax

Balance [?] Current Status [?]

$0	Bad debt/collection

Seven year payment history [?]30 days late60 days late90+ days late

1 time

1 time

4 times (Nov 2008, Oct 2008, Sep 2008)

Worst Delinquency [?]

and I live in CA.

[llecs]

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

First Premier - I'd send a PFD. If after a few attempts I'd PIF and GW at a later date.

LVNV - send a DV. If they verify and you agree, then send a PFD. If they agree in writing, then pay it and they'll delete.

Credit One - send a GW.

You mentioned your state so I assume you are concerned about SOL. If you have the $$$$ to PIF if you had to (to avoid a judgment), then don't worry about SOL. However, if you don't have the $$$$ to PIF if you had to, then do nothing until your state's SOL expires, which is 4 years from the DOFD of the debt in California.