My issues are as follows:
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fficeffice" /> I currently have 7 (on TransUnion) collections accounts and it appears to be 6 (on Equifax)
Should I contact them and ask for PFD? And how does it than affect my score if I can get at least 4 of them deleted?
I have a student loan that is paid/consolidated into another account BUT the original account is still showing on my report – can I have it removed from my report it is listed under open accounts???
I already (currently) have 12 inquiries on my account BUT my CR reflects the fact that I don’t have enough positive open accounts should I apply for some CC??? and who will give me cards with scores of 590/572/588
Also, with the scores listed above does anyone know of a bank that would give me a personal loan?????
Lastly, how do I find out my auto loan rating – not sure if I am using the term properly???
secchange wrote:My issues are as follows:
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Should I contact them and ask for PFD? And how does it than affect my score if I can get at least 4 of them deleted? Definitely. Imagine the improvement in your score with NO collections!
I have a student loan that is paid/consolidated into another account BUT the original account is still showing on my report – can I have it removed from my report it is listed under open accounts??? Is the status of loan showing as closed or transferred. Read the notes carefully. If not, then dispute as reporting incorrectly and it should be cleared up.
I already (currently) have 12 inquiries on my account BUT my CR reflects the fact that I don’t have enough positive open accounts should I apply for some CC??? and who will give me cards with scores of 590/572/588 Can you manage a cc? That's foremost in the answer. If you could get a secured card, or a Premier card with a really low CL, and use it once a month to buy a milkshake at Sonic - go for it. However, getting a cc and immediately maxing it out will not help you or your credit score.
Also, with the scores listed above does anyone know of a bank that would give me a personal loan????? Probably not without some kind of collateral. You might be able to get one through a sub-prime lender, like Beneficial. Beware - 20%+ interest.
Lastly, how do I find out my auto loan rating – not sure if I am using the term properly???
That's called Auto-enhanced and my understanding is that we are not privy to those.