Ok this is my full disclosure and my plan of action.

[bott6698]

Ok, A few have mentioned the best way to achieve ultimate success on this board is by sharing all possible info we can so you awesome contributors can achieve the best plan of action. I have been reluctant to share too much info but as of late I am getting more and more comfortable with this site and I know we are all here to help each other so here goes. Oh ya and I suck at grammar so please bare with me.

Forgive me if this is too involved because I am trying to make sure my plan of action is enough or if I need to do more.

oK let's start with Experian score of 502

Personal Info: I had no date of birth on file that I added on my dispute 2/4/2008. I also have one former name that is incorrect and I disputed as well 2/4/2008. Everything else looks good here.

ACCOUNTS

#1 Bank Of America CC which the OC I achieved this card from was PNC bank and was bought by Bank Of America. Date Opened:jun 1997. DOLA Jul 2002. Date of last payment Nov 2001. Balance not on record, current status unpaid balance reported as loss by creditor. past due amount not on record.

(I disputed as duplicate since a CA is also reporting the account on 2/4/2008)

#2 nova star financial mortgage. Date Opened: Jan 2005, DOLA 11/2007, I never missed a payment with this account and is one of my strong accounts. Current status OK $0 balance. As of 12/2007 though it was bought out by Saxon Mortgage and they are not reporting till Feb they said and still no missed payments with Saxon.

#3 pnc bank auto loan date opened 11/1996 DOLA 10/2000. I sold and paid off this car and shows never a missed payment.

#4 Chase auto finance date opened sep 2003. dola 1/2005. Traded this car in for my current loan with chrysler financial. Never missed a payment.

#5 HFC (benefical home equity loan with line of credit) credit limit 17,000.00 balance 17,865. I think this alone is hurting my utilization right? Date opened 8/2005 dola 1/2007. Ok I was SHOCKED to see they reported me late 30 days 5 times on my report. My wife takes care of this bills or atleast I thought so and I found out this was true. I sent GW letter 2/4/2008 to corporate office begging them to help me out with this because I want to refinance my whole mortgage etc with them if I can get my credit scores up so I will let you know if that works. I set up an auto pay plan so this doesn't happen again. Anything else I can do?

#6 duquesne light electric company argg. date opened march 2004 dola 12/2007 balance $300. current status OK/was past due. Past due amount not on record.

#7 chysler financial auto loan. date opened 12/2004 dola 2/2006. date of last payment 12/2007. balance 14,760.00. current status OK/was past due. I had one 30 day late 1/2006. I sent a GW letter to Chrysler 2/4/2008.

#8 HFC personal loan/line of credit. date opened 8/2007 dola 1/2008. balance 14,640.00. credit limit $20,000.00 This so far is all positive as I had done this myself and set up auto pay from beginning.

#9 peak 5 auto loan. date opened 1/2004 dola 12/2007 balance 4,616.00. Never missed  a payment on this account and is a positive account for me.

OK Here are my collections that are KILLING me. The report from myfico does not show me dola or dofd on anything here so not sure how to tell.

#1 focus receivables mana. date assigned 9/05/2007 OC Directtv. This is bull and I was given a 30 day trial from directv and I returned everything within the 30 days and they sent me to collections claiming there never was a 30 day trial. I disputed this with EQ and TU back in december and they were removed. I recently disputed 2/4/2008 with EX and awaiting results.

#2 debt recovery solutions OC Z-tel communications. date assigned 03/15/2004.  Disputed as obselete and seeing what happens.

#3 maryland national bank. CA from my BOA card that was CO. date assigned 7/15/2002.

I did not dispute as I have been on a payment plan with them before I found out about this site. Anything I can do?

#4 national recovery agency. OC hvhs medical center beaver. date assigned 1/30/2007. I am lost on this one because I have had wonderful medical insurance with UPMC for 6 years and there is no way this is not paid unless old. I asked for verification from the CRA's and also I recently received a letter in the mail asking me to dispute within 30 days and I sent a DV letter CMRRR 2/4/2008. AWaiting the results.

#5 er solutions OC comcast. date assigned 10/12/2006. This an account that I had not had for over 7 years and I disputed as obsolete with all 3 CRA's  2/4/2008 and awaiting results.

#6 jj marshall & assoc OC national city bank. hmm This is way old and I disputed to all 3 CRA's 2/4/2008 as obsolete. Also I currently have a new account with Nat City along with secured credit card I just got and they had no record on me so should I DV the CA if the dispute doesn't work?

#7 credit coll usa OC valley medical facilities. date assigned 04/04/2006. Again I have medical insurance so I disputed 2/4/2008.

#8 allied adjustors OC the medical center. Date assigned 12/06/2003  Again I dispuited with CRA's 2/4/2008 and awaiting results.

#9 nco fin OC ATT. Date assigned 07/24/2003. This is way old and I had this phone maybe 8 years ago at an old apt. I disputed as obselete 2/4/2008.

#10 credit protections assoc OC adelphia cable. date assigned 01/14/2002. I had this cable when I lived in an apartment 8 years ago. I dispusted as obselete 2/4/2008.

Ok you asked for it and I provided so that I may get the best help I can possibly get from you wonderful supporters.

Oh ya BTW I live in PA as far as SOL goes.

Thanks as always and MODS if I did anything wrong here I am very sorry I am still learning here.

[Anonymous]

UTL and collections- the super score killer combo-

Let's see what shakes out in the disputes-

The UTL is killing you even more than the collections-

[bott6698]

Thanks Timothy for taking the time to read this I really appreciate it. So what would you reccomend as a course of action for UTL? If I can get my scores up I could refinance and pay off both hfc loans and that would really help my utilization right? Or getting secured credit cards? I just started 1 with nat city but all I have done so far. What do you think?

[Anonymous]

It's a catch 22- 

I say the UTL is hitting you for 100 to 150 points-

If you don't have 30K laying around- and have lots of equity in the house- You may want to talk to a CU face to face-

I helped a buddy get a HELOC with mid 550's , paid off the revolving debt, got his score up and then re-fied.

FHA is not score driven for a Re-fi BUT they need 2 years clean-

Medical collections shouldn't keep this from hapening-

So those are the 2 options I would look at-

	Bal	CL	UTL
LOC1	14640	20000	73%
LOC2	17865	17000	105%
	32505	37000	88%

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bott6698 wrote:

Thanks Timothy for taking the time to read this I really appreciate it. So what would you reccomend as a course of action for UTL? If I can get my scores up I could refinance and pay off both hfc loans and that would really help my utilization right? Or getting secured credit cards? I just started 1 with nat city but all I have done so far. What do you think?

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[bott6698]

wow 100-150pts wow. if I can get the Gw letters to work I will have 2 years clean on everything but that is just a hope. I will see about the CU and what my options are. I owe 107k on the house and Was recently appraised for 130k so there is little room but not 30k. But even if I just paid the revolving ones down with that extra 23k that would really help my score acording to UTL right?