Trying to clean up my credit.

[Anonymous]

Pfd means pat for delete meaning you agree to pay the debt in exchange for its deletion , under normal circumstances if you pay a debt it's stays on your credit report and continues to keep your score down

[Anonymous]

Get the fico scores and report back, your actual scores could be higher or lower than the ones you have on credit kara

[Anonymous]

wow i read a little about this SCT method...  interesting.

does anyone have a website or read that is for sure accurate when it comes to SCT?

thanks, 

[Anonymous]

i will use the site you said to get y real credit score., 

[Anonymous]

I don't understand your sct question, just try a store website that is comenity and see if you get the pop up

[Anonymous]

i just used credit check total.com

experian = 585

transunion = 590

equifax = 632

i dont have time at this moment to give the details of each account but when i get a little time i will give you the details. 

[Anonymous]

EXPERIAN -

CREDIT SCORE - 585

 Credit Used

Revolving Debt - $0.00

Revolving Credit Limit - $0.00

Revolving Credit Usage - 0%

Real Estate Debt - $0.00

Installment Debt - $12,781.00

Total Debt - $17,523.00

Negative Information

Accounts Ever Late - 3

Accounts In Collections - 3

Time Since Negative - 1.3 year(s)

Inquiries Summary

 Inquiries- 4

Length of History

Oldest Account - 10.2 year(s)

Average Account Age - 8.1 year(s)

ACCOUNTS

AWA COLLECTIONS

Status - Closed

Balance - $279

Type - Collection

Payment Status - Late

AWA COLLECTIONS

 Status - Closed

Balance - $1,059

Type - Collection

Payment Status - Late

CASHCALL INC

Status - Closed

Balance - $0

Type - Installment Loan

Payment Status - Paid

GM FINANCIAL

Status - Open

Balance - $12,781

Type - Installment Loan

Payment Status - Paid

HOMEWARD RESIDENTIAL

Status - Closed

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

J&L TEAMWORKS

Status - Closed

Balance - $3,404

Type - Collection

Payment Status - Late

NEW CENTURY MORTGAGE C

Status - Closed

Balance - $0

Type - Real Estate Loan

Payment Status - Unknown

NEW CENTURY MORTGAGE C

Status - Closed

Balance - $0

Type - Real Estate Loan

Payment Status - Unknown

OCWEN LOAN SERVICING L

Status - Closed

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

SPRINGLEAF FINANCIAL S

Status - Closed

Balance - $0

Type - Installment Loan

Payment Status - Paid

US BKPT CT CA MODESTO

Date Filed - 06/16/2009

Type - Bankruptcy chapter 7-dismissed

Plaintiff

 _____________________________________

This is what my Experian report looks like. 

Any feedback, tips, hints or suggestions are greatly appreciated. 

[Anonymous]

TRANSUNION

CREDIT SCORE - 590

Credit Used

Revolving Debt - $0.00

Revolving Credit Limit - $0.00

Revolving Credit Usage - 0%

Real Estate Debt - $0.00

Installment Debt - $12,881.00

Total Debt - $16,131.00

Negative Information

Accounts Ever Late - 3

Accounts In Collections - 3

Time Since Negative - 1.3 year(s)

Length of History

Oldest Account - 10.2 year(s)

Average Account Age - 8 year(s)

Inquiries Summary

Inquiries - 6

ANDERSON S TOWING

Status - Open

Balance - $1,915

Type - Collection

Payment Status - Unknown

12 TWO JINN INC

Status - Open

Balance - $279

Type - Collection

Payment Status - Unknown

12 TWO JINN INC

Status - Open

Balance - $1,056

Type - Collection

Payment Status - Unknown

GM FINANCIAL

Status - Open

Balance - $12,881

Type - Installment Loan

Payment Status - Paid

NEW CNTY MTG

Status - Closed

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

NEW CNTY MTG

Status - Closed

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

OCWEN LOAN

 Status - Closed

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

OCWEN/HOMEWA

Status - Closed

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

SPRINGLF FIN

Status - Closed

Balance - $0

Type - Installment Loan

Payment Status - Paid

U.S. Bankruptcy Court

Date Filed - 06/16/2009

Type - Chapter 7 bankruptcy dismissed

Superior Court

Date Filed - 05/01/2009

Type - Civil judgement

_________________________

This is my Transunion, it is very similar to Experian score and report. 

[Anonymous]

EQUIFAX 

CREDIT SCORE - 632 

Credit Used

 Revolving Debt - $0.00

Revolving Credit Limit - $0.00

Revolving Credit Usage - 0%

Real Estate Debt - $0.00

Installment Debt - $12,781.00

Total Debt - $12,781.00

Negative Information

 Accounts Ever Late - 0

Accounts In Collections - 0

Time Since Negative - Never

Inquiries Summary

Inquiries - 6

Length of History

Oldest Account - 10.2 year(s)

Average Account Age - 8.1 year(s)

CASHCALL

Status - Open

Balance - $0

Type - Installment Loan

Payment Status - Paid

GMFNANCIAL

Status - Open

Balance - $12,781

Type - Installment Loan

Payment Status - Paid

HOMEWARD RESIDENTIAL

 Status - Open

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

NEW CENTURY MORTGAGE

Status - Open

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

NEW CENTURY MORTGAGE

 Status - Open

Balance - $0

Type - Real Estate Loan

Payment Status - Paid

OCWEN LOAN SERVICING

 Status - Open

Balance - $0

Type - Unknown

Payment Status - Paid

SPRINGLEAF FIN SRVCS

Status - Open

Balance - $0

Type - Installment Loan

Payment Status - Paid

US BKRPTCY

Date Filed - 06/01/1620

Type - Bankruptcy: Dismissed CH-7

5949 

Date Filed - 12/31/0000

Type - Judgement

________________

This is my equifax score and report, this one is a little better then TU and EXP.

[Anonymous]

i just got a J Crew account with the shoppping cart trick.  $250 -  YAY!