well, they are reporting correctly, i only have the one secured visa on my report for the last 2 years, however, when i filed bankruptcy in 2008, i immediately recieved card offers in the mail from cap one and first premier and continental finance and basically they were maxed out and slowly started to become unpaid and i lost my job and everything got charged off, aside from those 3 accounts, i had several medial collections all about 3 to 5 years old, some are 200 and some are maybe 1000 however i believe i have about 10- 12 medical collections on equifax and TU and about 3 - 5 charge offs on equifax and maybe 6 on TU some of these also include little accounts like fingerhut, and seventh avenue. so, all this stuff was post bankruptcy unfortunately... however my experian is fair to poor, it only has 1 negative item on it... strange,, and it scored me at 602. but eq and TU are both 520 ish,,, so i have been disputing and fighting about dates and amounts owed, and a few things have been removed, but somethings were verified and a couple of things actually appeared to Re-age since they were verified... is that legal? anyway, i cant really go through and pay off all these miscellanious medical bills, so ive taken a new strategy, aside from my 2 year secured card with perfect payment history, within the last 45 days ive been added as an AU to a capital one venture card, 3500 limit, a barclays card with a 5500 dllar limit and a discover card with a 5500 dollar limit, all 3 of these user accounts are reporting on all 3 reports!!! but they are new accounts so i think they will have to age some with low util and positive payment history... so thats why my mother is gonna convert me to a JOINT on discover so i will have at least 1 high tradeline with JOINT responsibility and my secured card is individual, oh i almost forgot, i also opened up a capital one secured card jan 19th with a 200 dollar limit that is also an individual account i keep the util low only about 30 per month then pay off.. so, my credit wise friend!! please tell me with 2 individual secured cards 1 for 300 limit and 1 for 200 limit, a discover joint hopefully as soon as form comes in mail, for 5500 (on discover) and then authorized user on capital one 3500, and barclays 5500, if all these accounts are kept low util 20 percent or below and always paid on time, can my score still increase with the baddies? i mean if i have all these new current tradelines, how long should i wait to try to apply for something? i know at least 6 months, but would you reccommend a year or even 2? and just let poz payment history build up? in addition to the 2 year secured card i alrady have... sorry for typos.. but basically im asking, does doing all of this positive new stuff, even with the baddies on there, can my score go up some despite the bad? will the good ever start to overpower the bad? where do you think i could be score wise in a year, assuming all these accounts remain low util and payd as agreed (which they will be) please let me know your thoughts!!!
