So this is on my report, I have not heard from any of my GW's to get some of these off...Could I be approved with these on my report? I have never had a car loan, dont really want one now, but both cars are pushing 200,000 miles...looking at a used VW jetta or passat for around $15,000...My current usage probably looks high, my walmart card is around 50% but paying $100 a month with no int, my DiscoverIt we use for everything and send multiple payments in during the month, so I havent played the timing game, but I have had the card for 2 years and not paid a penny in int...then the house, no lates, well, 2, 1 in 2008 and 1 in 2009...
BANK OF AMERICA #************
P O BOX 982235
EL PASO, TX 79998-2235
(800) 655-1491
Date Opened: 03/25/2003
Responsibility: Individual Account
Account Type: Revolving Account
Date Updated: 12/12/2014
Payment Received: $0
Last Payment Made: 11/07/2013
Pay Status: Current; Paid or Paying as
Agreed
Terms: Paid Monthly
Loan Type: CREDIT CARD Date Closed: 12/04/2007
Date Paid: 11/07/2013
>Maximum Delinquency of 120 days in 12/2008 and in
01/2009<
High Balance: High balance of $5,569 from 07/2012 to 11/2013; $5,569 from 12/2014 to 12/2014
Credit Limit: Credit limit of $5,000 from 07/2012 to 11/2013; $5,000 from 12/2014 to 12/2014
12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014 04/2014 03/2014
Balance $0
Scheduled
Payment
Amount Paid $0
Past Due $0
Remarks CBC
Rating OK X X X X X X X X X
02/2014 01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013 06/2013 05/2013
Balance $0 $292 $338 $385 $430 $475 $519
Scheduled
Payment
$50 $50 $50 $50 $50 $50 $50
Amount Paid $295 $50 $50 $50 $50 $50 $50
Past Due $0 $0 $0 $0 $0 $0 $0
Remarks CBC CBC CBC CBC CBC CBC CBC
Rating X X OK OK OK OK OK OK OK OK
04/2013 03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012 08/2012 07/2012
Balance $564 $607 $651 $693 $735 $777 $819 $860 $900 $940
Scheduled
Payment
$50 $50 $50 $50 $50 $50 $50 $50 $50 $50
Amount Paid $50 $50 $50 $50 $50 $50 $50 $50 $50 $50
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Remarks CBC CBC CBC CBC CBC CBC CBC CBC CBC CBC
Rating OK OK OK OK OK OK OK OK OK OK
06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011
Rating OK OK OK OK OK OK OK OK OK OK
08/2011 07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010
Rating OK OK OK OK OK OK OK OK OK OK
10/2010 09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010 02/2010 01/2010
Rating OK OK OK OK OK OK OK OK OK 90
12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009 04/2009 03/2009
Rating 90 90 90 90 90 60 30 OK OK OK
02/2009 01/2009 12/2008 11/2008 10/2008 09/2008 08/2008 07/2008 06/2008 05/2008
Rating OK 120 120 90 60 30 OK OK OK OK
04/2008 03/2008 02/2008
Rating OK OK OK
CAPITAL ONE BANK USA NA #**********
PO BOX 30281
SALT LAKE CITY, UT 84130
(800) 955-7070
Date Opened: 05/14/2004
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $0
Date Updated: 03/04/2012
Last Payment Made: 12/23/2011
High Balance: $1,479
Original ChargeOff: $1,479
Credit Limit: $500
Pay Status: >Account paid in Full; was
a Charge-off<
Date Closed: 10/03/2010
Date Paid: 12/23/2011
>Maximum Delinquency of 120 days in 10/2009 and in
08/2010<
Remarks: CLOSED BY CREDIT GRANTOR; >PAID IN FULL/WAS A CHARGE OFF<
Estimated month and year that this item will be removed: 11/2016
02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 05/2011
Rating C/O C/O C/O C/O C/O C/O C/O C/O C/O C/O
04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010 09/2010 08/2010 07/2010
Rating C/O C/O C/O C/O C/O C/O C/O N/R 120 120
06/2010 05/2010 04/2010 03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009
Rating 120 90 120 90 60 30 OK 90 120 90
08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008
Rating 60 60 30 OK OK OK OK 60 30 OK
10/2008 09/2008 08/2008 07/2008 06/2008 05/2008 04/2008 03/2008
Rating OK OK OK OK OK OK OK OK
CHASE/BANK ONE CARD SERV #**********
PO BOX 15298
WILMINGTON, DE 19850
(800) 432-3117
Date Opened: 03/01/1999
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $0
Date Updated: 03/16/2010
Payment Received: $0
Last Payment Made: 01/30/2009
High Balance: $2,629
Credit Limit: $1,096
Pay Status: >Charged Off<
Date Closed: 10/16/2009
>Maximum Delinquency of 120 days in 07/2009 for
$395 and in 02/2010<
Remarks: PURCHASED BY ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE
Estimated month and year that this item will be removed: 02/2016
02/2010 01/2010 12/2009 11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009
Rating 120 120 120 120 120 120 120 120 90 60
04/2009 03/2009 02/2009 01/2009 12/2008 11/2008 10/2008 09/2008 08/2008 07/2008
Rating 30 OK OK 60 30 OK OK OK OK OK
06/2008 05/2008 04/2008 03/2008
Rating OK OK OK OK
CITIMORTGAGE INC #**********
PO BOX 6243
SIOUX FALLS, SD 57117-6243
(800) 283-7918
Date Opened: 08/26/2005
Responsibility: Joint Account
Account Type: Mortgage Account
Loan Type: FHA REAL ESTATE
MORTGAGE
Date Updated: 11/04/2014
Payment Received: $0
Last Payment Made: 10/09/2014
Pay Status: Current; Paid or Paying as
Agreed
Terms: $1,277 per month, paid
Monthly for 360 months
Date Closed: 11/04/2014
>Maximum Delinquency of 30 days in 09/2008 and in
02/2009<
High Balance: High balance of $175,221 from 07/2012 to 09/2014; $175,221 from 11/2014 to 11/2014
Remarks: TRANSFERRED TO ANOTHER LENDER; TRANSFERRED TO ANOTHER OFFICE
11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014 04/2014 03/2014 02/2014
Balance $0 $148,496 $148,809 $149,120 $149,430 $149,739 $150,046 $150,352 $150,656
Scheduled
Payment
$1,277 $1,277 $1,277 $1,277 $1,277 $1,277 $1,277 $1,277 $1,215
Amount Paid $0 $1,277 $1,277 $1,277 $1,277 $1,277 $1,277 $1,277 $1,215
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK N/R OK OK OK OK OK OK OK OK
01/2014 12/2013 11/2013 10/2013 09/2013 08/2013 07/2013 06/2013 05/2013 04/2013
Balance $150,959 $151,261 $151,561 $151,860 $152,157 $152,453 $152,748 $153,042 $153,334 $153,625
Scheduled
Payment
$1,215 $1,215 $1,215 $1,215 $1,215 $1,215 $1,215 $1,215 $1,215 $1,215
Amount Paid $1,215 $1,215 $1,215 $1,215 $1,215 $1,215 $1,215 $1,215 $1,215 $1,215
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
03/2013 02/2013 01/2013 12/2012 11/2012 10/2012 09/2012 08/2012 07/2012 06/2012
Balance $153,914 $154,202 $154,489 $154,774 $155,059 $155,342 $155,623 $155,904 $156,183
Scheduled
Payment
$1,215 $1,236 $1,236 $1,236 $1,236 $1,236 $1,236 $1,236 $1,236
Amount Paid $1,215 $1,236 $1,236 $1,236 $1,236 $1,236 $1,236 $1,236 $1,236
Past Due $0 $0 $0 $0 $0 $0 $0 $0 $0
Rating OK OK OK OK OK OK OK OK OK OK
05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011
Rating OK OK OK OK OK OK OK OK OK OK
07/2011 06/2011 05/2011 04/2011 03/2011 02/2011 01/2011 12/2010 11/2010 10/2010
Rating OK OK OK OK OK OK OK OK OK OK
09/2010 08/2010 07/2010 06/2010 05/2010 04/2010 03/2010 02/2010 01/2010 12/2009
Rating OK OK OK OK OK OK OK OK OK OK
11/2009 10/2009 09/2009 08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009
Rating OK OK OK OK OK OK OK OK OK 30
01/2009 12/2008 11/2008 10/2008 09/2008 08/2008 07/2008 06/2008 05/2008 04/2008
Rating OK OK OK OK 30 OK OK OK OK OK
03/2008 02/2008 01/2008
Rating OK OK OK
KAY JEWELERS #********
375 GHENT RD
FAIRLAWN, OH 44333-4601
Phone number not available
Date Opened: 08/26/2003
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CHARGE
ACCOUNT
Balance: $0
Date Updated: 07/20/2010
Payment Received: $0
Last Payment Made: 02/02/2009
High Balance: $708
Credit Limit: $708
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: 10/11/2008
Date Paid: 02/02/2009
>Maximum Delinquency of 120 days in 11/2008 and in
01/2009<
Remarks: CLOSED BY CREDIT GRANTOR; CLOSED
06/2010 05/2010 04/2010 03/2010 02/2010 01/2010 12/2009 11/2009 10/2009 09/2009
Rating OK OK OK OK OK OK OK OK OK OK
08/2009 07/2009 06/2009 05/2009 04/2009 03/2009 02/2009 01/2009 12/2008 11/2008
Rating OK OK OK OK OK OK OK 120 120 120
10/2008 09/2008 08/2008 07/2008 06/2008 05/2008 04/2008 03/2008 02/2008
Rating 90 60 30 OK OK OK OK OK OK
ASSET ACCEPTANCE LLC #********
PO BOX 1630
WARREN, MI 48090-1630
(800) 545-9931
Placed for
collection:
09/15/2010
Responsibility: Individual Account
Account Type: Open Account
Loan Type: FACTORING
COMPANY
ACCOUNT
Balance: $17,709
Date Updated: 01/05/2015
Last Payment Made: 07/11/2008
Original Amount: $11,508
Original Creditor: CITIBANK (Retail)
Past Due: >$17,709<
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 06/2015
