Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012
Re: using my unsecured to increase score.........

 

 

 

 

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