OWE:
STUDENT LOANS, DEFAULT:
20 years $21,000 Principles, $29,000 Fees, Collections
TOTAL $50,000
CREDIT CARDS DEFAULT COLLECTIONS:
AMEX Business Platinum 1/2004-2/2007 $2,700 (Taken off Equifax, just disputed to take off Transunion),
Capital One 5/2004 $1,600,
Capital One 7/2004 $1,070,
HSBC Bank 5/2003 $1,045,
Merrick Bank 6/2006 $1,500,
Winthrop Hospital Medical Bill 3/2008 $5,592 (in circuit court ,will be off reports in 1/2015, along with two Capital One Civil Judgements of 12/2015 and 1/2016)
TOTAL $10,807
Had about 4 or 5 credit cards from the early 1990's TOTALING about $13,000 that I defaulted on and came off my reports around the year 2003.
ACTIVE SATISFACTORY ACCOUNTS:
JC Penny 3/2006 CL $100,
Fingerhut 11/2007 CL $400,
HSBC (Now Cap One, $37 annual Fee) 12/2010 CL $300,
First National Credit Card ($75 annual Fee) CL $1,050,
Capital One 6/2012 ($19 annual fee) CL $300,
Lord & Taylor 6/2012 CL $300,
Walmart 6/2012 CL $150
Owe $55 on HSBC (Now Cap One), $16 Lord & Taylor
Had a TOTAL 10 hard pulls on my report since 4/2011
Had 5 since 6/2012
Last Hard Pull 7/31/2012
Also opened up 3 AMEX (non-Credit Agency Reporting) accounts to get back in good standing with them. AMEX Serve (11-2012) $5 , AMEX Debit Card (11-2012) $40 and American Express Savings (6-2011) $5 (plan on applying with them again in 2013).
Walmart FICO 606
Currently self employed, but low income. When I get the opportunity to pay off what I can I aim to get re-employed to a higher income and start removing debts.
Starting Score: (11/11/2012) 604