Established Member
mrclassicrecord
Posts: 17
Registered: ‎07-13-2012
Re: Take the FICO Fitness Challenge for 2012!
[ Edited ]

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
Current Score:
FNBO EX (9/05/2014)682, Credit Karma (10/07/2014)699,Equifax (08/12/2014)742
Goal Score:850 Gardening 8-25-2014