Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
Confession

I am really overwhelmed by this whole credit score and report stuff.  I look at my CR and still can't make sense of much of it.  Although I have a few degrees I feel like an idiot.  I do wish I could pay someone to at least tell me what to do because I am lost. 

 

:smileysad:

 

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Contributor
Davidngo
Posts: 85
Registered: ‎11-30-2011
Re: Confession

Post your credit information up on the boards, but ensure you block out and personal information.  This board has done wonders for many individuals like us.

MyFICO Pulled: (11/28/2012) EQ 635, TU 650, EX 661
Lender Pulled: (12/05/2012) EQ 635, TU 677, EX 641
Lender Pulled: (02/20/2013) EQ 667, TU 661, EX 648
MyFICO Pulled: (05/30/2013) EQ 712, TU 685, EX 686

Finally Hit the 700's as of 06/05/2013!!!
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
Re: Confession

NY_Beauty wrote:

I am really overwhelmed by this whole credit score and report stuff.  I look at my CR and still can't make sense of much of it.  Although I have a few degrees I feel like an idiot.  I do wish I could pay someone to at least tell me what to do because I am lost. 

 

:smileysad:

 


Hi and welcome to Myfico forum!

 

Start with pulling your FREE Credit Report's from annualcreditreport.com. They tend to have more info on them than ones from a 3rd party. The Credit Reports from annualcreditreport.com, come directly from each of the CRA's. You can pull 1 Free Credit Report from TU, EQ and EX every 12 months.

Save your money and Don't Buy the Scores, they are what we call FAKO's.

 

 

I am going to suggest that you start the journey by reading the following threads: 

 

 

What Steps Do I Take?

 

 

That will give you a great place to start!   Also you want to opt out first before contacting these creditors... to opt out go to: www.optoutprescreen.com

 


The next advice I can give is to contact and deal with each creditor one by one. If you wake all the sleeping bears at once you may not be able to deal with them fast enough to avoid a judgment being filed. Best of luck and if you use the search function to search for each of your creditors you can see how others have dealt with them successfully in the past. Best of luck!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
Re: Confession

I think most of us felt that way in the beginnng and heck I know I still do.

 

You'll "meet" lots of nice people on here that give great advice. 

 

best of luck to you!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
Re: Confession

I have my reports and I "opted out".  Tomorrow I will read the rest.  Still feeling overwhelmed but at least I did something instead of complaining for feeling sorry for myself. In such a funk but know it could be worse.  I will share my report... 

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
Here's what I'm looking at...

I really have to look some old checks. I am certain that I paid some of these off with the CA in 2011...  The OC (cap one) is still reporting.

 

CAPITAL ONE

 

Status: Closed. $1,047 written off.

Status Details:

This item was updated from our processing of your dispute in May 2012.

Date Opened:

05/2005

Reported Since:

06/2005

Date of Status:

08/2010

Last Reported:

08/2010

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$500

High Balance:

$1,047

Recent Balance:

$0 as of 08/2010

Recent Payment:

$0

Creditor's Statement: Purchased by another lender.

Payment History:

Account History:

Charge Off as of Jul 2008 to Jul 2010

150 days past due as of May 2008

120 days past due as of Apr 2008

90 days past due as of Mar 2008

60 days past due as of Feb 2008, Jun 2007

30 days past due as of Jan 2008, May 2007

 

 

CAPITAL ONE

Status: Account charged off. $1,011 written off. $1,798 past

due as of Dec 2012.

Status Details: This account is scheduled to continue on

record until Jun 2014.

This item was updated from our processing of your dispute in

May 2012.

Date Opened:

04/2002

Reported Since:

05/2007

Date of Status:

04/2008

Last Reported:

12/2012

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$500

High Balance:

$1,798

Recent Balance:

$1,798 as of 12/2012

Recent Payment:

$0

Creditor's Statement: Account closed at credit grantor's

request.

Payment History:

Account History:

Charge Off as of Dec 2012, Nov 2012, Oct 2012, Sep 2012,

Aug 2012, Jul 2012, Jun 2012, May 2012, Apr 2008

150 days past due as of Mar 2008

120 days past due as of Feb 2008

90 days past due as of Jan 2008

60 days past due as of Dec 2007, May 2007

30 days past due as of Nov 2007

Balance History - The following data will appear in the following format:

account balance / date payment received / scheduled payment amount / actual amount paid

Nov 2012: $1,798 / August 25, 2007 / no data / no data

Oct 2012: $1,798 / August 25, 2007 / no data / no data

Sep 2012: $1,798 / August 25, 2007 / no data / no data

Aug 2012: $1,798 / August 25, 2007 / no data / no data

Jul 2012: $1,798 / August 25, 2007 / no data / no data

Jun 2012: $1,798 / August 25, 2007 / no data / no data

May 2012: $1,798 / August 25, 2007 / no data / no data

Apr 2012: $1,798 / August 25, 2007 / no data / no data

Mar 2012: $1,798 / August 25, 2007 / no data / no data

Feb 2012: $1,798 / August 25, 2007 / no data / no data

Jan 2012: $1,798 / August 25, 2007 / no data / no data

Dec 2011: $1,798 / August 25, 2007 / no data / no data

Nov 2011: $1,798 / August 25, 2007 / no data / no data

Oct 2011: $1,798 / August 25, 2007 / no data / no data

Sep 2011: $1,798 / August 25, 2007 / no data / no data

Jul 2011: $1,798 / August 25, 2007 / no data / no data

Jun 2011: $1,798 / August 25, 2007 / no data / no data

May 2011: $1,794 / August 25, 2007 / no data / no data

Apr 2011: $1,752 / August 25, 2007 / no data / no data

Mar 2011: $1,752 / August 25, 2007 / no data / no data

Feb 2011: $1,732 / August 25, 2007 / no data / no data

Jan 2011: $1,689 / August 25, 2007 / no data / no data

Dec 2010: $1,668 / August 25, 2007 / no data / no data

Between Dec 2010 and Nov 2012, your credit limit/high balance

was $500

 

CAPITAL ONE

Status: Closed. $1,850 written off. Status Details:

This item was updated from our processing of your dispute in May

2011.

Date Opened:

11/1996

Reported Since:

05/2006

Date of Status:

06/2009

Last Reported:

06/2009

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$1,400

High Balance:

$1,989

Recent Balance:

$0 as of 06/2009

Recent Payment:

$0

Creditor's Statement: Purchased by another lender.

Payment History:

Account History:

Charge Off as of Apr 2008

150 days past due as of Mar 2008

120 days past due as of Feb 2008

90 days past due as of Jan 2008

60 days past due as of Dec 2007, May 2007

30 days past due as of Nov 2007, Apr 2007

 

HSBC BANK

Status: Closed. $289 written off. Status Details:

This item was updated from our processing of your dispute in Jun

2011.

Date Opened:

12/2005

Reported Since:

10/2008

Date of Status:

10/2008

Last Reported:

10/2008

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$400

High Balance:

$664

Recent Balance:

$0 as of 10/2008

Recent Payment:

$0

Your Statement:

Completed investigation of FCRA dispute - consumer disagrees.

Creditor's Statement: Purchased by another lender.

Payment History:

Account History:

Charge Off as of Oct 2008

 

HSBC BANK

Status: Paid in settlement. $406 written off. Status Details: This account is scheduled to continue on

record until Dec 2014.

This item was updated from our processing of your dispute in May

2012.

Date Opened:

11/2003

Reported Since:

12/2008

Date of Status:

12/2008

Last Reported:

12/2008

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$500

High Balance:

$812

Recent Balance:

NA

Recent Payment:

NA

Your Statement:

Completed investigation of FCRA dispute - consumer disagrees.

Creditor's Statement: Account legally paid in full for less than

full balance.

Account History:

Charge Off as of Dec 2008

 

SALLIE MAE

Status: Paid,Closed. Status Details:

This item was updated from our processing of your dispute in

May 2012.

Date Opened:

11/2005

Reported Since:

12/2005

Date of Status:

11/2011

Last Reported:

11/2011

Type:

Education

Terms:

360 Months

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$10,730

High Balance:

NA

Recent Balance:

NA

Recent Payment:

NA

Payment History:

Account History:

180 days past due as of Sep 2008, Sep 2007 to Dec 2007

150 days past due as of Aug 2008, Aug 2007

120 days past due as of Jul 2010, Jul 2008, Jul 2007, May 2006

90 days past due as of Jun 2010, Jun 2008, Jun 2007, Apr

2006

The original amount of this account was $10,730

 

THE BUREAUS INC

Original Creditor:

HSBC CARD SERVICES INC.

Status: Collection account. $600 past due as of Jun 2012. Status Details: This account is scheduled to continue on

record until Dec 2014.

This item was updated from our processing of your dispute in Jun

2012.

Date Opened:

10/2008

Reported Since:

06/2012

Date of Status:

06/2012

Last Reported:

06/2012

Type:

Collection

Terms:

1 Months

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$600

High Balance:

NA

Recent Balance:

$859 as of 06/2012

Recent Payment:

$0

Payment History:

Account History:

Collection as of Jun 2012

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
Re: Here's what I'm looking at...

the OC still has the right (And in some capacity the obligation) to continue to report the charged off account(s) for 7 years after the date of first delinquency. Payment Itself will not delete the account entirely. I'm on the iPad at the moment for longer posts are maddening, but when I'm at my computer tomorrow morning I can go into more detail. Though I'm sure someone else will beat me to it by then

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
Re: Here's what I'm looking at...

No one beat you yet.  Looking forward to your feedback. :smileyhappy:

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Here's what I'm looking at...

NY_Beauty wrote:

I really have to look some old checks. I am certain that I paid some of these off with the CA in 2011...  The OC (cap one) is still reporting.

 

CAPITAL ONE

 

Status: Closed. $1,047 written off.

Status Details:

This item was updated from our processing of your dispute in May 2012.

Date Opened:

05/2005

Reported Since:

06/2005

Date of Status:

08/2010

Last Reported:

08/2010

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$500

High Balance:

$1,047

Recent Balance:

$0 as of 08/2010

Recent Payment:

$0

Creditor's Statement: Purchased by another lender.

Payment History:

Account History:

Charge Off as of Jul 2008 to Jul 2010

150 days past due as of May 2008

120 days past due as of Apr 2008

90 days past due as of Mar 2008

60 days past due as of Feb 2008, Jun 2007

30 days past due as of Jan 2008, May 2007

 This one has a zero balance, nothing owed to them at this time.  Did you pay it or did they sell to CA?  Either way, send a GW.

 

CAPITAL ONE

Status: Account charged off. $1,011 written off. $1,798 past

due as of Dec 2012.

Status Details: This account is scheduled to continue on

record until Jun 2014.

This item was updated from our processing of your dispute in

May 2012.

Date Opened:

04/2002

Reported Since:

05/2007

Date of Status:

04/2008

Last Reported:

12/2012

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$500

High Balance:

$1,798

Recent Balance:

$1,798 as of 12/2012

Recent Payment:

$0

Creditor's Statement: Account closed at credit grantor's

request.

Payment History:

Account History:

Charge Off as of Dec 2012, Nov 2012, Oct 2012, Sep 2012,

Aug 2012, Jul 2012, Jun 2012, May 2012, Apr 2008

150 days past due as of Mar 2008

120 days past due as of Feb 2008

90 days past due as of Jan 2008

60 days past due as of Dec 2007, May 2007

30 days past due as of Nov 2007

Balance History - The following data will appear in the following format:

account balance / date payment received / scheduled payment amount / actual amount paid

Nov 2012: $1,798 / August 25, 2007 / no data / no data

Oct 2012: $1,798 / August 25, 2007 / no data / no data

Sep 2012: $1,798 / August 25, 2007 / no data / no data

Aug 2012: $1,798 / August 25, 2007 / no data / no data

Jul 2012: $1,798 / August 25, 2007 / no data / no data

Jun 2012: $1,798 / August 25, 2007 / no data / no data

May 2012: $1,798 / August 25, 2007 / no data / no data

Apr 2012: $1,798 / August 25, 2007 / no data / no data

Mar 2012: $1,798 / August 25, 2007 / no data / no data

Feb 2012: $1,798 / August 25, 2007 / no data / no data

Jan 2012: $1,798 / August 25, 2007 / no data / no data

Dec 2011: $1,798 / August 25, 2007 / no data / no data

Nov 2011: $1,798 / August 25, 2007 / no data / no data

Oct 2011: $1,798 / August 25, 2007 / no data / no data

Sep 2011: $1,798 / August 25, 2007 / no data / no data

Jul 2011: $1,798 / August 25, 2007 / no data / no data

Jun 2011: $1,798 / August 25, 2007 / no data / no data

May 2011: $1,794 / August 25, 2007 / no data / no data

Apr 2011: $1,752 / August 25, 2007 / no data / no data

Mar 2011: $1,752 / August 25, 2007 / no data / no data

Feb 2011: $1,732 / August 25, 2007 / no data / no data

Jan 2011: $1,689 / August 25, 2007 / no data / no data

Dec 2010: $1,668 / August 25, 2007 / no data / no data

Between Dec 2010 and Nov 2012, your credit limit/high balance

was $500

 It's got about a year and a half left to report.  It show a balance, maybe a PFD if you can afford that.  Is it past the SOL?

 

CAPITAL ONE

Status: Closed. $1,850 written off. Status Details:

This item was updated from our processing of your dispute in May

2011.

Date Opened:

11/1996

Reported Since:

05/2006

Date of Status:

06/2009

Last Reported:

06/2009

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$1,400

High Balance:

$1,989

Recent Balance:

$0 as of 06/2009

Recent Payment:

$0

Creditor's Statement: Purchased by another lender.

Payment History:

Account History:

Charge Off as of Apr 2008

150 days past due as of Mar 2008

120 days past due as of Feb 2008

90 days past due as of Jan 2008

60 days past due as of Dec 2007, May 2007

30 days past due as of Nov 2007, Apr 2007

 3 1/2 years since the DOFD.  It still carries a balance.  PFD if possible.  May still be in the SOL, save up the money before dealing with them, in case they decide to take you to court.

 

HSBC BANK

Status: Closed. $289 written off. Status Details:

This item was updated from our processing of your dispute in Jun

2011.

Date Opened:

12/2005

Reported Since:

10/2008

Date of Status:

10/2008

Last Reported:

10/2008

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$400

High Balance:

$664

Recent Balance:

$0 as of 10/2008

Recent Payment:

$0

Your Statement:

Completed investigation of FCRA dispute - consumer disagrees.

Creditor's Statement: Purchased by another lender.

Payment History:

Account History:

Charge Off as of Oct 2008

 Sold to CA, GW them.

 

HSBC BANK

Status: Paid in settlement. $406 written off. Status Details: This account is scheduled to continue on

record until Dec 2014.

This item was updated from our processing of your dispute in May

2012.

Date Opened:

11/2003

Reported Since:

12/2008

Date of Status:

12/2008

Last Reported:

12/2008

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$500

High Balance:

$812

Recent Balance:

NA

Recent Payment:

NA

Your Statement:

Completed investigation of FCRA dispute - consumer disagrees.

Creditor's Statement: Account legally paid in full for less than

full balance.

Account History:

Charge Off as of Dec 2008

 Paid account, send GWs

SALLIE MAE

Status: Paid,Closed. Status Details:

This item was updated from our processing of your dispute in

May 2012.

Date Opened:

11/2005

Reported Since:

12/2005

Date of Status:

11/2011

Last Reported:

11/2011

Type:

Education

Terms:

360 Months

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$10,730

High Balance:

NA

Recent Balance:

NA

Recent Payment:

NA

Payment History:

Account History:

180 days past due as of Sep 2008, Sep 2007 to Dec 2007

150 days past due as of Aug 2008, Aug 2007

120 days past due as of Jul 2010, Jul 2008, Jul 2007, May 2006

90 days past due as of Jun 2010, Jun 2008, Jun 2007, Apr

2006

The original amount of this account was $10,730

 Paid, start the GW process

 

THE BUREAUS INC

Original Creditor:

HSBC CARD SERVICES INC.

Status: Collection account. $600 past due as of Jun 2012. Status Details: This account is scheduled to continue on

record until Dec 2014.

This item was updated from our processing of your dispute in Jun

2012.

Date Opened:

10/2008

Reported Since:

06/2012

Date of Status:

06/2012

Last Reported:

06/2012

Type:

Collection

Terms:

1 Months

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$600

High Balance:

NA

Recent Balance:

$859 as of 06/2012

Recent Payment:

$0

Payment History:

Account History:

Collection as of Jun 2012

It's over 5 years old, may be past the SOL, would try for PFD if you could.

Overall, you're not in that bad of shape, nothing that can't be approved on.  Now you should take and tackle these.  Start with the CA and the GWs, save up for the Cap1 accounts.  This can be done!!!!

 


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
Re: Here's what I'm looking at...

Thanks so much!  I really appreciate the feedback.  I had no idea what to do or where to start and I appreciate your taking the time to review my stuff.  :-)

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!