Credit Card Center Advertiser Disclosure†
02-25-2013 10:09 PM
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?
02-26-2013 06:33 AM
Looks like a real good plan to me.
02-26-2013 08:44 AM
02-26-2013 08:52 AM
34 times late seems incorrect for sure. have that verified like the previous poster said.
04-17-2013 03:25 PM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.