Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012
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
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
Re: what to tackle next?

ttt

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
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
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Regular Contributor
adio413
Posts: 114
Registered: ‎06-06-2012
Re: what to tackle next?

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