Member
J_S
Posts: 36
Registered: ‎11-26-2012
J's Credit Repair Journal
[ Edited ]

Redoing my journal to better organize myself.

 

Baddies:

Home depot $341 - 60 days late - 8/2012

Bank of America $754 - 120 days late - 6/2012

Capital One - $0 - 90 days late - 7/2012

TXU Energy - $110 - CO - 4/2012

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Prof Debt - $1920 - Collections - 4/2012

Cba - $81 - Collections - 2/2012

Bekmn Assoc - $774 - Collections - 1/2006

 

Current open accounts:

Capital One - $300 limit

Home Depot - $600 limit

 

Starting scores:

TU: 489 EQ: 471

 

I've sent PIF with GW to BoA and TXU. I've sent GW to the rest except for the collections. I'm a little worried about Prof Debt. I don't have the money to PIF. Should I set up a payment plan and then GW at the end? Save my money and PIF when I can? It's recent so getting sued is a possibility.

 

Thanks.