Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
New Rebuild Journal Xwill04
[ Edited ]

Hey guys, recently decided to get serious rebuilding my credit.

 

Here are the following items on my credit reports and steps taken :

 

Collection accounts:

 

ENHANCED RECOVERY - TransUnion (DV Letter sent  11/14/2012)

Balance- $1,454

Date Opened- 4/12

 

EOS CCA - Experian, Equifax, TransUnion (DV Email sent 11/15/2012 to direct contact received via this forum)

Balances- $678, $1,518, $378

Date Opened- 8/1/2012

 

PACIFIC CREDIT EXCHANGE - Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balance- $9,016 (Repo Purchase)

Date Opened- 2/1/2012

 

MIDLAND FUNDING - Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balances- $461, $2,002

Date Opened- 12/1/2012, 11/1/2011

 

PINNACLE CREDIT SERVICES- Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balance- $1,405

Date Opened- 12/1/2009

 

ALLGATE FINANCIAL LLC - Experian (DV Letter sent  11/14/2012)

Balance- $475

Date Opened- 5/1/2009

 

RASH CURTIS & ASSOCIATES - Experian, TransUnion (DV Letter sent  11/14/2012)

Balance- $318

Date Opened- 6/1/2008

 

Charge Offs:

 

FIRST PREMIER BANK (623 Letter sent  11/14/2012)

Balances- $469, $518

Date Opened- 8/1/2009, 1/1/2009

 

A - L FINANCIAL CORP (Auto Loan) - Experian (623 Letter sent  11/14/2012)

Balances- $9,016

Date Opened- 2/1/2009

 

DSNB MACYS (623 Letter sent  11/14/2012)

Balance- $319

Date Opened-1/1/2007

 

CAP ONE

Balance- $0

Date Opened-10/1/2006

 

Current Accounts:

 

CAPITAL BANK (Open Sky Secured CC)

Balance- $282/300 (Never Late) WIll pay down $250 by next week to help util before statement cuts on 12/3

Date Opened-8/1/2012

 

First Tech Federal Credit Union (Secured Personal Loan)

Balance- $1000 

Date Opened- 3 days ago (11/12/2012)
Payments: $29/mo over 36 months

Interest Rate: 3.1% (Only $49 interest over 3 years if i end up making minimum payments)

 

Applied Bank Secured Credit Card

Balance- $0/$200 

Date Opened- 3 days ago (11/12/2012)

 

Credit Scores (FAKO)

Experian- 513

Equifax- 517

TransUnion- 541

 


Im thinking about sending a letter to Experian regarding the A-L financial listing as i disputed it a couple years ago, was removed and came back to  my report but never receieved notice from Experian. Also CA is reporting the balance as well as OC.

 

All charge offs have been disputed with CB and came back verified. All collections have been disputed with CB and came back verified except (EOS, havent disputed yet hope I can get them to remove directly if not I will dispute with the credit bureaus)

 

Need advice how to pay off loan for optimum score results. I could technically pay $100/mo towards the loan only reason i opened it was to add an installment loan to my credit portfolio. Interest isnt an issue so i could technically drag it out the full term. What do you guys suggest?

 

Any advice, tips, best practices?



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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