In the past I really didn't know how my credit would affect me stupid me. Now that I'm in the real world I understand completely. I have negative credit history thankfully it is from a while ago but it is still on my record and I was wondering what date I need to go by to understand when the items will be taken off my report. Here are the accounts as per my report. Be ware there are a few.
date reported 1/05
last payment date 8/00
last date of activity 8/00
activity description paid
date reported 2/02
last payment date doesn't say
last date of activity 7/00
nothing under activity description but have a letter that it has been paid (paid through collections though)
date reported 6/04
last payment date 6/02
last date of activity 9/00
activity description paid
date reported 1/05
last payment date ?
last date of activity 7/00
activity description paid
Current score is 643 I want to get it up to around 700 or better we are selling our house and going to be applying for another loan and want to get an ok rate.
I think that should do it. Hopefully I gave you the information that you need this is my first time. If you need anything more please let me know.
