Member
J_S
Posts: 36
Registered: ‎11-26-2012
Re: J's Credit Repair Journal
Alert:Your FICO® score has exceeded your target score of 500

Score Watch alert/Changes to your FICO® Score

   Your FICO® score has gone up to 502 on December 16, 2012.
 
 Target score alert:Your FICO® score has exceeded your target score of 500.
 
Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:
  • You've made heavy use of your available revolving credit.

 

Baddies:

Home depot $226 - 60 days late - 8/2012

Bank of America $0 - 180 days late - 6/2012

Capital One - $232 - 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

 

Current scores:

TU:? EQ: 502

 

Unfortunately, BoA didn't delete the negative information. I'll try to GW them again sometime. Right now I'm thinking I really need to deal with "prof debt". I'm worried I'm going to get sued.