Looking for a mortgage later this year. What should we be concentrating on as far as cleaning this up? I don't know what will matter...what should be pd and what should be left alone. I certainly don't want anything to reage!!! Here is the stats:
Hubby: 563/eq myfico 541/exp plus 575/transrisk
Industry employment 10+yrs current job 5 yrs
Salary of 460.00 gross/ week with 200.00 cash bonus weekly
monthly loan/cc pmts total $160.00
savings 4200.00
Location is SE Georgia (Rural) Single Family Home under 100,000.00
Credit Report:
ALLTEL
Account Number: XXXX
Acct Type: Telecommunications / Cellular
Acct Status: Closed
Monthly Payment:
Date Open: 2/1/2009
Balance: $712.00
Terms: 1 Month
High Balance: $712.00
Limit:
Past Due: $712.00
Payment Status: Charge-off
*** Good Will letter sent with explanation for PIF and PFD, awaiting response. If they do not agree will PIF anyway. Last report date 12-12
CREDIT COLLECTION SERV
Account Number: 157XXXX
Acct Type: Collection Department / Agency / Attorney
Acct Status: Closed
Monthly Payment:
Date Open: 9/1/2008
Balance: $412.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $412.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
***Medical**** Last report date 11-08
***Have sent dv letters, no response. Sent a second letter to remove, still not removed. That was 4 months ago.
Account Name: CREDIT COLLECTION SERV
Account Number: 157XXXX
Acct Type: Collection Department / Agency / Attorney
Acct Status: Closed
Monthly Payment:
Date Open: 9/1/2008
Balance: $575.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $575.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
****Medical***** Last report date 11-08
Account Name: FIRST PREMIER BANK
Account Number: 5xxxxxxxxxxxxxxxx
Acct Type: Credit Card
Acct Status: Open
Monthly Payment: $30.00
Date Open: 6/1/2012
Balance: $279.00
Terms: Revolving
High Balance: $279.00
Limit: $300.00
Past Due:
Payment Status: Current
****Balance is incorrect, dispute initiated. Balance is 93.00. Last report date: 10-12. (don't know why they aren't updating)????
Account Name: FIRST TENNESSEE BANK
Account Number: 8XXX
Acct Type: Credit Card
Acct Status: Closed
Monthly Payment:
Date Open: 8/1/2005
Balance: $0.00
Terms: Revolving
High Balance:
Limit: $5,000.00
Past Due: $0.00
Payment Status: Charge-off
Comments: Transferred to another lender or claim purchased
****In Dispute with BBB. He was only linked to his mothers checking acct, then added by the BANK as an authorized user when she opened a cc. when we disputed and asked the authorized user status be taken off it changed from authorized user on his CR to Joint? I have another thread about this and am taking action.
Last report date 1-09
Account Name: ONLINE COLLECTIONS
Account Number: 9XXXX
Acct Type: Collection Department / Agency / Attorney
Acct Status: Closed
Monthly Payment:
Date Open: 8/1/2011
Balance:
Terms: 1 Month
High Balance:
Limit:
Past Due:
Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default
Comments: Subscriber reports dispute resolved - consumer disagrees
****Was an electric bill and two months late when final bill did not get forwarded to new address. Last report date Sept 12 as ok.
Account Name: PEOPLES BANK & TRUST
Account Number: 11XXXX
Acct Type: Secured Loan
Acct Status: Closed
Monthly Payment:
Date Open: 4/1/2005
Balance:
Terms: 49 Months
High Balance:
Limit:
Past Due:
Payment Status: Paid, was past due 30 days six times or more
***Last report date 4-09 reported as ok with exception of some lates.
Account Name: SNAP-ON CREDIT LLC
Account Number: 19XXXX
Acct Type: Secured Loan
Acct Status: Closed
Monthly Payment:
Date Open: 9/1/2006
Balance: $5,629.00
Terms: 36 Months
High Balance:
Limit:
Past Due: $3,852.00
Payment Status: Charge-off
Last report date 01-13 Key derogatory (don't know what to do about this one? Make pmt arrangements or leave it???)
Account Name: THE LAW OFFICES OF MIT
Account Number: 445XXXX
Acct Type: Collection Department / Agency / Attorney
Acct Status: Closed
Monthly Payment:
Date Open: 3/1/2012
Balance: $472.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $472.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Comments: Account in dispute-reported by subscriber
****Medical Last report date 0-12 ***Have sent dv letters, no response. Sent a second letter to remove, still not removed. That was 4 months ago.
Account Name: THE LAW OFFICES OF MIT
Account Number: 445XXXX
Acct Type: Collection Department / Agency / Attorney
Acct Status: Closed
Monthly Payment:
Date Open: 3/1/2012
Balance: $301.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $301.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Comments: Account in dispute-reported by subscriber
Last Report date 6-12 ***Have sent dv letters, no response. Sent a second letter to remove, still not removed. That was 4 months ago.
***Medical
Account Name: THE LAW OFFICES OF MIT
Account Number: 445XXXX
Acct Type: Collection Department / Agency / Attorney
Acct Status: Closed
Monthly Payment:
Date Open: 3/1/2012
Balance: $2,781.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $2,781.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Comments: Account in dispute-reported by subscriber
Last report date 6-12 ***Have sent dv letters, no response. Sent a second letter to remove, still not removed. That was 4 months ago.
****medical
XXXXXXX Bank
Account Number: 1XXXX
Current Status: PAYS AS AGREED
Account Owner: Joint Account High Credit: $ 1,100
Type of Account : Installment Credit Limit:
Term Duration: 12 Months Terms Frequency: Monthly (due every
month)
Date Opened: 07/20/2012 Balance: $ 909
Date Reported: 09/30/2012 Amount Past Due:
Date of Last Payment: 09/2012
Actual Payment Amount: 94.00
****Another***** that is not updating, Pmts are current , NEVER late and balance is 554.00. In disupte for incorrect balance
No checking acct issues such as overdrafts. Clean record for checking.
Note: We opened in Jan 13 a 300 cl capital one card that is not reporting yet. Balance is 20.00.
Above report is hubbys CR and I am a stay home mom so I don't anticipate being on loan but I also have a cap1 cc same as above with him as auth user and I on his as auth user. These were opened in hopes of score boost by spring.
Will I be able to be on the loan since not employed, only child support of 686.00/month? Will my credit report matter? Should I post it here? OR...will a broker laugh us out of his office????
