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Posts: 74
Registered: ‎05-03-2011
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Which of these hurts my score the most? Critque my action plan!!!

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? 

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
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Re: Which of these hurts my score the most? Critque my action plan!!!

Looks like a real good plan to me.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Senior Contributor
Posts: 3,928
Registered: ‎10-26-2012
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Re: Which of these hurts my score the most? Critque my action plan!!!

The 90 day late if accurate and state tax lien is really hurting your score. I would call and verify the 90 day being late 34 times?? 

Established Contributor
Posts: 662
Registered: ‎02-20-2013
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Re: Which of these hurts my score the most? Critque my action plan!!!

34 times late seems incorrect for sure. have that verified like the previous poster said.

DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Posts: 11
Registered: ‎04-17-2013
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Re: Which of these hurts my score the most? Critque my action plan!!!

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.

Starting FICO Score: (5/1/2013): Ex: 546 TU: 515 Eq:497

Starting USAA Score (4/17/2013): Ex: 566 TU: 552 Eq: 552
Current USAA Score: (4/30/2013): Ex: 566 TU: 552 Eq: 552

Goal Middle Score: 620 for VA Loan
Established Contributor
Posts: 754
Registered: ‎11-20-2012
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Re: Which of these hurts my score the most? Critque my action plan!!!

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.

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