Reply
Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012
0

what to tackle next?

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

 

 

Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012
0

Re: what to tackle next?

 

 

 

 

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

Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012
0

Re: what to tackle next?

ttt

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: what to tackle next?

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.  


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012
0

Re: what to tackle next?

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


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}