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Posts: 97
Registered: ‎11-13-2008
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credit help please ¡

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.


Company Account number Date opened Balance Status Negative Indicator? [?]  

Credit CardBk Of Amer 11/2008$370Pays account as agreedThis account has late payments in the pastDetails
Credit CardTarget Nb 9/2006$144Pays account as agreedThis account has late payments in the pastDetails
Credit CardTarget Nb 10/2009$0Pays account as agreedNoDetails
MortgageChaseXXXXXXXXX800910/2009$187,963Pays account as agreedNoDetails
MortgageBk Of Amer 3/2005$178,443Pays account as agreedThis account has late payments in the pastDetails
Student/Education LoanNelnet 10/2002$0Pays account as agreedNoDetails
Student/Education LoanNelnet 10/2002$0Pays account as agreedNoDetails
Student/Education LoanNelnet 11/2000$0Pays account as agreedNoDetails
Student/Education LoanMd CollegeXXXXXXXXXXXX760012/2000$0Pays account as agreedNoDetails
OtherThd/Cbna 10/2009$2,457Bad debt/collectionNoDetails
OtherGecrb/Rm2G 10/2009$0Bad debt/collectionThis account has late payments in the pastDetails
OtherCbusasears 7/2001$0Pays account as agreedNoDetails
Vehicle LoanScu SetfXXXXXXXXXXX90485/2010$11,520Pays account as agreedThis account has late payments in the pastDetails
Vehicle LoanTropicalcuXXXXX042110/2009$4,477Pays account as agreedNoDetails
Vehicle LoanTropicalcuXXXXX042010/2005$0Pays account as agreedNoDetails
Vehicle LoanWorld OmniXXXXXXXXXXX90485/2010$0Pays account as agreedNoDetails
Valued Contributor
Posts: 1,206
Registered: ‎02-19-2012
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Re: credit help please ¡

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

Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Established Contributor
Posts: 905
Registered: ‎07-25-2008
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Re: credit help please ¡

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 Smiley Happy


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards

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