Looking for some critique on my current plan before moving forward. If you've had success with any of these situations please comment. I'm hoping to repair my credit somewhat before seperating from active duty Navy in 6 months.
Current Credit Profile:
Utilization: Navy Fed Line of credit $484/500 Pay down both to total util of 9%
NavyFCU CC $1014/1000
Charge offs: Cap 1 $559/300 DOLA 08/11 PFD
Delaware FCU $33 DOLA 5/09 PFD (Reporting on EQ as late 90 days 34 times!!!!!!)
Ability Recovery Services $871 PFD
Accounts Recievable $0 GW
Alliance One $850 PFD
Financial Recoveries $397 Medical HIPPA or PFD
IC Systems $101 PFD
NCO Financial $0 GW
Unique Collection $70 PIF library. They agree to delete after 1 year but I will try GW
Verizon Wireless $2090 PFD
Verizon De $0 GW
Lates: National Education Open (1) 60 Oct 2011 (1) 90 Nov 2011 (3) 120 days Dec 2011, Jan 2012, Feb 2012 GW
US Bank Open (1) 30 Jul 2012 (1) 60 Aug 2012 GW
Omni Financial Closed (1) 30 Jul 2012 but says 60 days past due. GW
Pioneer Lending Closed 2 (30) Oct 2011, Dec 2011 GW
Judgement: Maryland State Tax Lien - Deducting from state refund- Not sure what to do with this one?
Apartment Judgement- Oct 2010- $780 I was later sued for an additional amount from the same plantiff and the charges from this judgement were included totaling $1624 which has since been paid. It is not listed as paid. This judgement is only listed on Transunion Could I have it vacated?
Looks like a real good plan to me.
34 times late seems incorrect for sure. have that verified like the previous poster said.
I was just wondering if you've had any luck with any of these creditors. My hubby has a lot ot the same creditors that you do.
I'm specifically wondering about:
Ability Recovery Service
Unique National Collection
Did either of them agree to a pfd or gw.
And would it have made a difference if you had paid the library instead of Unique National.
Thanks in advance.
I did pay the library and not Unique - still didn't help. They did report the item as "paid" and gave me the one-year speech.