topic Re: using my unsecured to increase score......... in Credit Cards

using my unsecured to increase score.........

adio413 — Tue, 09 Oct 2012 02:01:24 GMT

i have an unsecured card through applied bank with a CL of $250. i make an automatic monthly donation to a smithsonian museum for $5 on the 20th of every month and then on the 5th of every month $7is taken out of BOA debit card to pay for it.

even though the applied card reports to all three CRA, it seems like this is doing nothing/zero for my credit score, since i usually have a $2 credit on my credit card account. what could i do to change it? should i use the card more? should i use it enough to take the utilization from 0% to 5 -9%?

Re: using my unsecured to increase score.........

Anonymous — Tue, 09 Oct 2012 02:04:38 GMT

Is this your only card? What is the reported util been the past few mos?

Re: using my unsecured to increase score.........

adio413 — Tue, 09 Oct 2012 02:16:17 GMT

@Anonymous wrote:
Is this your only card? What is the reported util been the past few mos?

yes its my only card. the utility has been 0%.i just got the card in may started using it in may this year. i've never bought anything with it, just signed up to do auto donations to the museum and to have the amount paid back via my BOA card

Re: using my unsecured to increase score.........

Anonymous — Tue, 09 Oct 2012 03:03:05 GMT

what are you scores currently?

Re: using my unsecured to increase score.........

adio413 — Tue, 09 Oct 2012 20:08:07 GMT

holy christ, im sorry everybody....... i have a secured card from applied bank. im sorry sorry sorry.

in case anybody asks, the extra $2 is from the 7bucks that comes from my debit card. when i 1st signed up for the debit payments, the applied bank CSR said i should have a little more taken out just in case interest is charged.

jd5189: my credit scores are as of 10/9/12 3pm

experian 585

equifax 561

transunion 585

idk if these are FAKO or fico because they're from USAA credit monitoring

Re: using my unsecured to increase score.........

adio413 — Tue, 09 Oct 2012 20:07:31 GMT

ttt

Re: using my unsecured to increase score.........

Anonymous — Tue, 09 Oct 2012 20:22:13 GMT

@adio413 wrote:
ttt

Those are your FAKO scores. what is hurting your credit?

Re: using my unsecured to increase score.........

adio413 — Wed, 10 Oct 2012 10:45:05 GMT

i have no idea!!! i have a bunch of student loans but the'yre paid on time with zero lates on any of them.

Re: using my unsecured to increase score.........

Anonymous — Wed, 10 Oct 2012 14:09:59 GMT

Have you pulled your reports or just the scores? It seems there are derogatory accounts somewhere in your credit files because with on-time SL payments and even the secured card your scores should be somewhere in the 600's (at least mid 600's I would have to guess).

Pull your free yearly CR from one of the agencies (doesn't matter which one as they all seem to be in the same score range). Look through it. Until you find out what the derogatory is on your account, your unsecured card will not do much for your scores.

Re: using my unsecured to increase score.........

adio413 — Wed, 10 Oct 2012 18:02:32 GMT

CBCS Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	CBCS	CBCS	CBCS
Account #	1806XXXX	1806XXXX	1806XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account	Collection Account
Balance	$271.00	$271.00	$271.00
Date Opened	10/1/2011	10/1/2011	10/24/2011


CONVERGENT OUTSOURCING Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	CONVERGENT OUTSOURCING	CONVERGENT OUTSOURCI	CONVERGENT
Account #	7003XXXX	7003XXXX	7003XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account	Collection Account
Balance	$387.00	$387.00	$387.00
Date Opened	7/1/2010	7/1/2010	7/9/2010


MIDLAND CREDIT MGMT IN Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	MIDLAND CREDIT MGMT IN	No Data Returned For This Bureau	MIDLAND MCM
Account #	853158XXXX	853158XXXX
Account Type	Debt Purchase	Collection Account
Balance	$1,222.00	$1,222.00
Date Opened	8/1/2009	8/26/2009


PROFESS ACCT Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	No Data Returned For This Bureau	PROFESS ACCT
Account #	1305XXXX
Account Type	Collection Account
Balance	$67.00
Date Opened	1/18/2010


PROFESS ACCT Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	No Data Returned For This Bureau	PROFESS ACCT
Account #	1074XXXX
Account Type	Collection Account
Balance	$67.00
Date Opened	10/13/2008


PROFESS ACCT Potentially Negative More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	No Data Returned For This Bureau	PROFESS ACCT
Account #	1061XXXX
Account Type	Collection Account
Balance	$104.00
Date Opened	9/9/2008


AFNI Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	AFNI	No Data Returned For This Bureau
Account #	101869XXXX
Account Type	Collection Account
Balance	$155.00
Date Opened	8/1/2007


AFNI, INC. Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	AFNI, INC.	No Data Returned For This Bureau	AFNI
Account #	204072XXXX	204072XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account
Balance	$183.00	$183.00
Date Opened	4/1/2010	4/19/2010


BUR COL RECO Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	No Data Returned For This Bureau	BUR COL RECO
Account #	7181XXXX
Account Type	Collection Account
Balance	$0.00
Date Opened	7/17/2012


CAP ONE Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	CAP ONE	CAPITAL ONE BANK USA	CAP ONE
Account #	40034470XXXX	40034470XXXX	40034470XXXX
Account Type	Credit Card	Revolving or Option	Revolving account
Balance	$2,683.00	$2,683.00	$2,683.00
Date Opened	2/1/2007	2/1/2007	2/5/2007


FAIR COLLECTIONS & OUT Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	FAIR COLLECTIONS & OUT	FAIR COLLECTIONS & O	No Data Returned For This Bureau
Account #	347XXXX	347XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account
Balance	$3,415.00	$3,415.00
Date Opened	5/1/2009	5/1/2009

Re: using my unsecured to increase score.........

adio413 — Wed, 10 Oct 2012 18:03:28 GMT


FIRST PREMIER BANK Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	FIRST PREMIER BANK	FIRST PREMIER	FST PREMIER
Account #	517760739300XXXX	517760739300XXXX	51776073XXXX
Account Type	Credit Card	Revolving or Option	Revolving account
Balance	$440.00	$440.00	$440.00
Date Opened	8/1/2009	8/1/2009	8/7/2009


GECRB/SAMS Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	GECRB/SAMS CLUB	GECRB/SAMS
Account #	77141003XXXX	77141003XXXX
Account Type	Revolving or Option	Revolving account
Balance	$0.00	$0.00
Date Opened	2/1/2007	2/7/2007


SOUTHWEST CREDIT SYS Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	No Data Returned For This Bureau	SOUTHWEST CREDIT SYS	No Data Returned For This Bureau
Account #	3503XXXX
Account Type	Collection Account
Balance	$564.00
Date Opened	1/1/2012


SOUTHWEST CREDIT SYSTE Potentially Negative Closed More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	SOUTHWEST CREDIT SYSTE	SOUTHWEST CREDIT SYS	No Data Returned For This Bureau
Account #	3736XXXX	3736XXXX
Account Type	Collection Department / Agency / Attorney	Collection Account
Balance	$663.00	$663.00
Date Opened	7/1/2012	7/1/2012


GECRB/SAMS CLUB Unknown More Account Details
	Experian®	Equifax®	TransUnion®

Account Name	GECRB/SAMS CLUB	No Data Returned For This Bureau	No Data Returned For This Bureau
Account #	771410039995XXXX
Account Type	Charge Account
Balance
Date Opened	2/1/2007

so these are all the negatives on my CR as of 10/8/2012

1. the professional account managaments are being disputed via transunion. these were deleted through experian a few weeks ago, but, the CRA don't share info, so i had to doa sepearate dispute

2. the AFNI one for $155..... afni said that has been sent back to the OC (verizon). idk what to do about that one

3. the bureau of collections one is being disputed through transunion. i paid the OC (at&t) almost a month ago but i want this off

4. the first premier bank for $440........... i PIF 3 days ago

5. the 1st and 2nd southwest credit systems was another CA for the same at&t account. AT&ts fraud department got a call from me yesterday. about it showing up a 2nd time on my CR now with a balance of $663!!. when i paid at&t back in septemeber, they told me they would get in contact with bureau of collection and southwest credit systems to let them know i paid in full.

so............. looking at these negatives, what would you say is keeping my score down?

* this is all copy n pasted from my usaa credit monitoring account

Re: using my unsecured to increase score.........

Anonymous — Wed, 10 Oct 2012 18:33:51 GMT

All of the accounts listed as collection, debt purchase, Collection Department / Agency / Attorney...

Until these are no longer on your report, they will continue to keep your score down no matter what CL's you have. I would continue to focus on trying to get these accounts off your report. But, be careful, you can open up cans of worms that you do not want. I have absolutely no experience in removing derogatory information on a CR, I would highly suggest you post over in the Rebuilding forum to get someone that might be able to help you better.

Re: using my unsecured to increase score.........

Anonymous — Wed, 10 Oct 2012 18:46:19 GMT

If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Good luck

Re: using my unsecured to increase score.........

adio413 — Wed, 10 Oct 2012 19:45:13 GMT

@Anonymous wrote:
If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Good luck

yes the professional account management ones were from old parking tickets. i did a dispute online with experian and they were deleted off ( i never paid them). now i'm waiting for the dispute results from TU

Re: using my unsecured to increase score.........

Anonymous — Wed, 10 Oct 2012 19:51:13 GMT

Please visit the Rebuilding forum right here on myfico, folks there will help you out.

All the best to you!

Uborrow-Upay

Re: using my unsecured to increase score.........

Anonymous — Wed, 10 Oct 2012 19:54:28 GMT

@adio413 wrote:
@Anonymous wrote:
If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Good luck
yes the professional account management ones were from old parking tickets. i did a dispute online with experian and they were deleted off ( i never paid them). now i'm waiting for the dispute results from TU

You know you not paying them means the liklihood of it coming back! I would suggest you paying those as well...just a FYI