Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
Re: New need help


egh68 wrote:
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?
 



First, I would recommend getting your hard copies of your credit reports from each of the CRA's. They will have complete info needed for your disputes. It does look like you have a duplicate reporting though. You may be able to dispute it as a duplicate account to have it removed if that is the case.
 
I'm not sure on Lowes, since I have no experience with them.