Rebuilding Your Credit

[Mrzjbabii]

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!!!!!!)

Collections

                   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? 

[Shogun]

Looks like a real good plan to me.

[DaBears]

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?? 

[NJTurnpike]

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

[mo_babee]

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.

[InvincibleSummer3]

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.