Rebuilding Your Credit

[adio413]

CBCS Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name CBCS CBCS CBCS Account # 1806XXXX 1806XXXX 1806XXXX Account Type Collection Department / Agency / Attorney Collection Account Collection Account Balance $271.00 $271.00 $271.00 Date Opened 10/1/2011 10/1/2011 10/24/2011

CONVERGENT OUTSOURCING Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name CONVERGENT OUTSOURCING CONVERGENT OUTSOURCI CONVERGENT Account # 7003XXXX 7003XXXX 7003XXXX Account Type Collection Department / Agency / Attorney Collection Account Collection Account Balance $387.00 $387.00 $387.00 Date Opened 7/1/2010 7/1/2010 7/9/2010

MIDLAND CREDIT MGMT IN Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name MIDLAND CREDIT MGMT IN No Data Returned For This Bureau MIDLAND MCM Account # 853158XXXX 853158XXXX Account Type Debt Purchase Collection Account Balance $1,222.00 $1,222.00 Date Opened 8/1/2009 8/26/2009

PROFESS ACCT Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau No Data Returned For This Bureau PROFESS ACCT Account # 1305XXXX Account Type Collection Account Balance $67.00 Date Opened 1/18/2010

PROFESS ACCT Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau No Data Returned For This Bureau PROFESS ACCT Account # 1074XXXX Account Type Collection Account Balance $67.00 Date Opened 10/13/2008

PROFESS ACCT Potentially Negative More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau No Data Returned For This Bureau PROFESS ACCT Account # 1061XXXX Account Type Collection Account Balance $104.00 Date Opened 9/9/2008

AFNI Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau AFNI No Data Returned For This Bureau Account # 101869XXXX Account Type Collection Account Balance $155.00 Date Opened 8/1/2007

AFNI, INC. Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name AFNI, INC. No Data Returned For This Bureau AFNI Account # 204072XXXX 204072XXXX Account Type Collection Department / Agency / Attorney Collection Account Balance $183.00 $183.00 Date Opened 4/1/2010 4/19/2010

BUR COL RECO Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau No Data Returned For This Bureau BUR COL RECO Account # 7181XXXX Account Type Collection Account Balance $0.00 Date Opened 7/17/2012 CAP ONE Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name CAP ONE CAPITAL ONE BANK USA CAP ONE Account # 40034470XXXX 40034470XXXX 40034470XXXX Account Type Credit Card Revolving or Option Revolving account Balance $2,683.00 $2,683.00 $2,683.00 Date Opened 2/1/2007 2/1/2007 2/5/2007 FAIR COLLECTIONS & OUT Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name FAIR COLLECTIONS & OUT FAIR COLLECTIONS & O No Data Returned For This Bureau Account # 347XXXX 347XXXX Account Type Collection Department / Agency / Attorney Collection Account Balance $3,415.00 $3,415.00 Date Opened 5/1/2009 5/1/2009

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FIRST PREMIER BANK Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name FIRST PREMIER BANK FIRST PREMIER FST PREMIER Account # 517760739300XXXX 517760739300XXXX 51776073XXXX Account Type Credit Card Revolving or Option Revolving account Balance $440.00 $440.00 $440.00 Date Opened 8/1/2009 8/1/2009 8/7/2009

GECRB/SAMS Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau GECRB/SAMS CLUB GECRB/SAMS Account # 77141003XXXX 77141003XXXX Account Type Revolving or Option Revolving account Balance $0.00 $0.00 Date Opened 2/1/2007 2/7/2007

SOUTHWEST CREDIT SYS Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau SOUTHWEST CREDIT SYS No Data Returned For This Bureau Account # 3503XXXX Account Type Collection Account Balance $564.00 Date Opened 1/1/2012

SOUTHWEST CREDIT SYSTE Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name SOUTHWEST CREDIT SYSTE SOUTHWEST CREDIT SYS No Data Returned For This Bureau Account # 3736XXXX 3736XXXX Account Type Collection Department / Agency / Attorney Collection Account Balance $663.00 $663.00 Date Opened 7/1/2012 7/1/2012

GECRB/SAMS CLUB Unknown More Account Details Experian® Equifax® TransUnion® Account Name GECRB/SAMS CLUB No Data Returned For This Bureau No Data Returned For This Bureau Account # 771410039995XXXX Account Type Charge Account Balance Date Opened 2/1/2007   so these are all the negatives on my CR as of 10/8/2012 1. the professional account managaments are being disputed via transunion. these were deleted through experian a few weeks ago, but, the CRA don't share info, so i had to doa sepearate dispute 2. the AFNI one for $155..... afni said that has been sent back to the OC (verizon). idk what to do about that one 3. the bureau of collections one is being disputed through transunion. i paid the OC (at&t) almost a month ago but i want this off 4. the first premier bank for $440........... i PIF 3 days ago 5. the 1st and 2nd southwest credit systems was another CA for the same at&t account. AT&ts fraud department got a call from me yesterday. about it showing up a 2nd time on my CR now with a balance of $663!!. when i paid at&t back in septemeber, they told me they would get in contact with bureau of collection and southwest credit systems to let them know i paid in full. so............. looking at these negatives, what would you say is keeping my score down? * this is all copy n pasted from my usaa credit monitoring account

[adio413]

ttt

[Shogun]

Well it looks like you've got some negatives on there that need to be addressed.  Like I told you in your PM, get those CRs pulled from annualcreditreport.com so we have a little more information to go on.  Then we can see exactly how old these are and form a gameplan on tackling them.  

[adio413]

ttt........ one is helping me but theres no need NOT to share the burden