ok so what should my first step be?

[TEK2TIRADO]

ive been lurking for a while now

but im still unsure what my first step should be

i have the money 1o pay off the collections and cc but i am unsure if that will hurt my scores

here are my reports

619 TU FICO and 584 EQ FICO

The collection agency "Bur Med Econ" was hired to collect a debt of $246 originally owed to "Med1 02 Arizona Medical Imaging Bapt"

I am an Authorized user on cap one card

the FP cc has lates of 30 90 120 on EQ but on my TU report it shows no lates

  AccountsCompany Account number Date opened Balance Status Negative Indicator?

First Premier Bank		5/2009	$678	Charged off as bad debt
Capital One Bank Usa Na		8/2011	$459	Paid or paying as agreed	No

[TEK2TIRADO]

[annielorie]

can you simplify this by just typing how many collection and their amounts how many lates are the accounts for the lates open or closed how many inqwuires and when the sol or dofd is?

[Repo-ed]

The formatting is horrible. Please type it out so we can better assist you with the answers in which you seek.

[annielorie]

plus 1 thought it was me

[TEK2TIRADO]

ok sorry bout that guys

got lazy and c&p everything

[annielorie]

start typing we are waiting to assist

[TEK2TIRADO]

i updated the first post

what other info do i need ?

[Lois5669]

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@TEK2TIRADO wrote:

ive been lurking for a while now

but im still unsure what my first step should be

i have the money 1o pay off the collections and cc but i am unsure if that will hurt my scores

here are my reports

619 TU FICO and 584 EQ FICO

The collection agency "Bur Med Econ" was hired to collect a debt of $246 originally owed to "Med1 02 Arizona Medical Imaging Bapt"

I am an Authorized user on cap one card

the FP cc has lates of 30 90 120 on EQ but on my TU report it shows no lates

  AccountsCompany Account number Date opened Balance Status Negative Indicator?

First Premier Bank		5/2009	$678	Charged off as bad debt
Capital One Bank Usa Na		8/2011	$459	Paid or paying as agreed	No

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Is the FPB CC still open? My first step would be to pay down the balance on that card, if so. This will raise your util and help your score. After that, I'd send GWs to them and ask if they could remove the lates.

On the collection, you can either try the HIPAA process or just pay the OC and then try to GW the collection off (you could ask the OC if they could pull it back from collections when you pay).

Paying on either won't hurt your score, though. It will help with the CC. It might not do anything with the CA, if they don't delete...but it won't hurt.

[annielorie]

Are you an auth user that actually uses the cap one or are you piggybacking someone elses credit card if the later close the card and have them delete tradeline.