Hello everyone
I'm new to fico and just subscribed to score watch and got my equifax score (642) this is what it looks like.
3) collections unpaid and don't say to who but I'm sure it's medical
1st Original balance $219
Date assigned July,01,2002
Date reported April 01,2008
Date last active Sep 01, 2001
2nd Original balance $487
Date assigned Aug 01,2002
Date reported April 01, 2008
Date last active Nov 01, 2001
3rd Original balance $487
Date assigned Aug 01,2002
Date reported April 01, 2004
Date last active Nov 01, 2001
On a positive note I have 3 accounts in good standing 1 with 0 balance and 2 auto joint with life partner who has helped me get a credit score because I started out with a score of 0 three years ago. What should I do now one of these has to be a duplicate but I don't know. Any help would be appreciated. I need a new lawn tractor, think lowes would approve me with a down payment?
