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Hello Forum,
I must admit, this forum board has been really helpful to me in the past couple of years. Sad to say, I had taken everyone's advice, boost my scores up and NOW BACK IN THE SAME POSITION LIKE BEFORE.
Anywho, no sense is crying over spilled milk when it can be cleaned, again.
I just need to know where to start to get back on track and get my scores back up. Here we go:
Chase Student Loan: $175.00 mo. (Past Due: $360.00) Pays: 31-60 Bal: $19,500
Republic Finance: $200.00 mo. (Past Due: $365.00) Pays: 31-60 Bal: $3,900
Auto Loan: $440.00 mo. (Current) Pays: 31-60 Bal: $12,900
JCP CC: Idk mo. (Past Due: $421.00) Pays: 61-90 Bal: $3,400CL: $3,100
Closed Accounts:
Amazon CC: Idk mo. (Current) Pays: 31-60 Bal: $757 CL: $700
Belk CC: Idk mo. (Past Due: $164) Pays: 61-90 Bal: $1,200 CL: $1000
TJ Maxx CC: Idk mo. (Past Due: $175) Pays: 91-120 Bal: S444 CL: $300
TFCU CC: Idk mo. (Past Due: $106) Pays: 61-90 Bal: $3,540 CL: $1,500
The rest of my CR are student loans, which are deferred. Which bring me to my next question, would it be a good idea to consolidate these?
Thanks all for your help. It is greatly needed.
Anyone to lend you money? All your cards are in danger, with 4 being in the long term late damage zone, and one being near CO status, provided your Bal/CL listings are correct. I don't see a way to get a consolidation loan if this is what's showing on your CRs.
If someone does loan me the money, do I pay the past due amounts or what?
Thanks for your input.
Get the balances under the limits, as the late fees are going to eat you alive.