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Hi... I need to rebuild my credit here are my accounts what steps should i take to increase my score thank you. i have one collctions for 35 dollars how can i get rid of it. help. I thank you all for your support.
Accounts
Company Account number Date opened Balance Status Negative Indicator? [?]
Bk Of Amer | 11/2008 | $370 | Pays account as agreed | Details | ||
Target Nb | 9/2006 | $144 | Pays account as agreed | Details | ||
Target Nb | 10/2009 | $0 | Pays account as agreed | No | Details | |
Chase | XXXXXXXXX8009 | 10/2009 | $187,963 | Pays account as agreed | No | Details |
Bk Of Amer | 3/2005 | $178,443 | Pays account as agreed | Details | ||
Nelnet | 10/2002 | $0 | Pays account as agreed | No | Details | |
Nelnet | 10/2002 | $0 | Pays account as agreed | No | Details | |
Nelnet | 11/2000 | $0 | Pays account as agreed | No | Details | |
Md College | XXXXXXXXXXXX7600 | 12/2000 | $0 | Pays account as agreed | No | Details |
Thd/Cbna | 10/2009 | $2,457 | Bad debt/collection | No | Details | |
Gecrb/Rm2G | 10/2009 | $0 | Bad debt/collection | Details | ||
Cbusasears | 7/2001 | $0 | Pays account as agreed | No | Details | |
Scu Setf | XXXXXXXXXXX9048 | 5/2010 | $11,520 | Pays account as agreed | Details | |
Tropicalcu | XXXXX0421 | 10/2009 | $4,477 | Pays account as agreed | No | Details |
Tropicalcu | XXXXX0420 | 10/2005 | $0 | Pays account as agreed | No | Details |
World Omni | XXXXXXXXXXX9048 | 5/2010 | $0 | Pays account as agreed | No | Details |
according to your post you have two collections one with balance and one without GW the paid bad account and offer PFD for the one that has a balance other then that getting your overall utilization will help improve your score. Are those two large bank amounts 1st and 2nd mortgage if so what rate is it at or are u trying to refi hence the score boost
IMHO if I had any lates on these accounts I would start sending GW letters like crazy
The worst they can say is no but on the other hand you may get some lates removed