HEY EVERYBODY!! I've been reading fico forums for years, but this my 1st time actually posting anything. I've been handling mine and my husband's credit as best as I could, and now that we have most of his debts paid off (except for one), I need help trying to fix it!!! I will of course be typing up plenty GW's, but here's what my husband's report looks like, the key derogatory's at least, this doesnt include the 30-150 day late marks on other accts!!!:
Account Name: APPLIED BANK Account Number: XXXXXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 8/1/2000 Balance: $576.00 Terms: Revolving High Balance: Limit: $800.00 Past Due: $576.00 Payment Status: Charge-off
Account Name: ARROW FINANCIAL SERVIC Account Number: XXXXXXX Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: Date Open: 9/1/2007 Balance: $2,534.00 Terms: 1 Month High Balance: Limit: Past Due: $2,534.00 Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Comments:
Account Name: ASSET ACCEPTANCE LLC Account Number: 3392XXXX Acct Type: Unknown - Credit Extension, Review, Or Collection Acct Status: Closed Monthly Payment: Date Open: 8/1/2007 Balance: Terms: 1 Month High Balance: Limit: Past Due: Payment Status: Paid, was a collection account, insurance claim or government claim or was terminated for default Comments:
Account Name: CAP ONE Account Number: 52911517XXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 8/1/2000 Balance: Terms: Revolving High Balance: Limit: $700.00 Past Due: Payment Status: Legally paid in full for less than the full balance Comments: Election of remedy - reported by subscriber
Account Name: CITI AUTO Account Number: 219172XXXX Acct Type: Auto Loan Acct Status: Closed Monthly Payment: Date Open: 1/1/2004 Balance: Terms: 60 Months High Balance: Limit: Past Due: Payment Status: Legally paid in full for less than the full balance Comments: Election of remedy - reported by subscriber
Account Name: GEMB/DILLARDS Account Number: 604587021823XXXX Acct Type: Revolving Charge Account Acct Status: Closed Monthly Payment: Date Open: 1/1/1998 Balance: Terms: Revolving High Balance: Limit: $0.00 Past Due: Payment Status: Legally paid in full for less than the full balance Comments: Election of remedy - reported by subscriber
Account Name: PROFESSIONAL DEBT Account Number: 3156XXXX Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: Date Open: 5/1/2006 Balance: $344.00 Terms: 1 Month High Balance: Limit: Past Due: $344.00 Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Comments: Account in dispute-reported by subscriber
Account Name: TNB - TARGET Account Number: 50273XXXX Acct Type: Revolving Charge Account Acct Status: Closed Monthly Payment: Date Open: 11/1/1995 Balance: $594.00 Terms: Revolving High Balance: Limit: $0.00 Past Due: $594.00 Payment Status: Charge-off Comments: Credit line closed-grantor request-reported by subscriber
Account Name: WASH MUTUAL/PROVIDIAN Account Number: 260045XXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 7/1/2000 Balance: Terms: Revolving High Balance: Limit: $1,850.00 Past Due: Payment Status: Account transferred to another office Comments: Transferred to another lender or claim purchased
HAS ANYONE DEALT WITH ANY OF THESE CA'S BEFORE? I KNOW TARGET, SEARS, AND DILLARDS WERE BOUGHT BY CA'S ALSO.....ALL HELP WOULD BE GREATLY APPRECIATED!!!!
I feel like a stalker but so what