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Okay guys and gals, I'm at my wits end. I've been paying 100's of dollars a month or credit repair company each month and seeing little to no help in my credit each month. I was wondering if one of you fine people would be willing to look at my full credit information ill provide it and ill break everything down and you can give me the best course of action going forward on what I need to do and how to go about it. I would rather pay someone on here to have a one on one vs a company who deals with 1000's of idiots like myself and they just want my money. I want someone who will be full of knowlegde and want to help me in the right direction for the goals I have. If you are that person pm me ill gladly pay you I just need some help before I give up for good. I'm so lost in all of this. What I thought was right isnt is what i thought was wrong is right and im just a mess when it comes to credit info and ive spend more hours on here in the past week reading then I have sleeping.
You don't need to pay anyone. Just list your info here. Open accounts with limits and balances. Charged off accounts, lates, collections, etc.
Here is my revolving, installment and other's listed on my credit report I dont pay anything on any of these I have nothing in collections I did but I paid those all off they were all small so I got them paid off and deleted. As far as what I pay monthly I have my house note 1325 electricity 250 cable 60 gas 60 water 20 phone 140 internet 50 & sewer bill 30 I have about 2500$ left over each month. I want to buy a new car and stop renting and own a house sooner rather then later. However I know I have to fix my credit first so thats why I'm asking for all the help you guys can give me! I dont and cant work I am 100% VA and 100% SSDI I make about 5360$ a month tax free after bills leaves me arouns 3k not including household things i may need so I say about 2500 left over each month. Next month I'll have 2500$ saved from this month 3000$ school refund from pell cause i use Va gi bill and 2500$ for next month to use towards paying most of this off. SO, I have received from NFCU which I owe 16k to a settlement for 4900$ If I take that 8k next month use i accept the settlement pay off the usaa and put rest towards military star card. That will put me at almost zero debt owed? My student loans are falling off because I'm 100% va they just approved me for that last week.
Revolving
USAA SVG BK
1302
05/13/2016
0
NAVY FCU
3719
01/26/2016
0
CAPITAL BANK (secured CC)
107
01/22/2020
25
0
ARMD FORC BK (secured CC)
236
01/22/2020
10
0
MILITARYSTAR ( should be lower because they been taking 203$ each month from me) not reporting it though.
3775
01/19/2018
0
NAVY FCU
2574
08/10/2018
52
0
Installment
NAVY FCU
4830
03/31/2019
NAVY FCU
5517
11/30/2018
USDOE/GLELSI
23462
12/31/2019
0
I also forgot to mention I have 3 secured cards 1 for 300$ and 2 that each have a max of 1000$ each I just recently opened a self lender installment account which will probably start reporting next month. That is 4 accounts that will be reporting good for me. I keep the credit cards under 20% utilizes and I pay them off about 10 days after I use them. one of the 3 isnt on my credit report yet because I just got it. the other 2 are already reporting.
@Anonymous wrote:Here is my revolving, installment and other's listed on my credit report I dont pay anything on any of these I have nothing in collections I did but I paid those all off they were all small so I got them paid off and deleted. As far as what I pay monthly I have my house note 1325 electricity 250 cable 60 gas 60 water 20 phone 140 internet 50 & sewer bill 30 I have about 2500$ left over each month. I want to buy a new car and stop renting and own a house sooner rather then later. However I know I have to fix my credit first so thats why I'm asking for all the help you guys can give me! I dont and cant work I am 100% VA and 100% SSDI I make about 5360$ a month tax free after bills leaves me arouns 3k not including household things i may need so I say about 2500 left over each month. Next month I'll have 2500$ saved from this month 3000$ school refund from pell cause i use Va gi bill and 2500$ for next month to use towards paying most of this off. SO, I have received from NFCU which I owe 16k to a settlement for 4900$ If I take that 8k next month use i accept the settlement pay off the usaa and put rest towards military star card. That will put me at almost zero debt owed? My student loans are falling off because I'm 100% va they just approved me for that last week.
Revolving
USAA SVG BK
1302
05/13/2016
0
NAVY FCU
3719
01/26/2016
0
CAPITAL BANK (secured CC)
107
01/22/2020
25
0
ARMD FORC BK (secured CC)
236
01/22/2020
10
0
MILITARYSTAR ( should be lower because they been taking 203$ each month from me) not reporting it though.
3775
01/19/2018
0
NAVY FCU
2574
08/10/2018
52
0
Installment
NAVY FCU
4830
03/31/2019
NAVY FCU
5517
11/30/2018
USDOE/GLELSI
23462
12/31/2019
0
Welcome to the forums. You're going to have to edit that and organize it better, because I can't follow any of that lol. Please show any balances vs. the credit limit. If the balance is zero, write $0 / $10,000 (for example). That way we can figure out utilization. If it's a loan, write what the current balance is compared to the original amount borrowed.
Also, what are your FICO scores??? And what are the ages of your oldest account, youngest account, and average age of accounts?
As Brian_Earl_Spilner states, no payment needed. This is what this community is about; helping through experience and research.
Listing all of your accounts - CC, installment loans, CL, current balances, lates, charge offs, etc, age of oldest account, age of youngest accounts, average age of accounts (can get this from most credit monitoring services, paid or free with the exception of average age of account because services that provide vantage scores don't include closed accounts in average age of accounts like FICO does.)
Many knowledgeable people here who will likely be better able to help you with actions you can take, no different and maybe better than services that you pay to do it for you.
The details matter. You don't have to list personal information nor lenders. Although there are plenty of people who know specific actions that can help with certain lenders. For example, all you have to do:
-CC1 $500/$1000 (balance vs credit limit + age/open date and any lates)
-CC2, etc
-Auto Loan $5K/$25K (balance remaining on original loan amount)
1 30d ay late 2/2015, 60 day late 3/2015 (same type of info for each account)
You'll likely find folks here who will help you get where you want to be for free. Number of accounts matter, what type of accounts matter, any lates or derogatory information matters, age matters, etc. A FICO score is based on an algorithm/formula, so the details matter.
Wishing you much success in your efforts!
Fico 8 Scores EQ 559 TU 570 EX573
AAoA 6yr 1 mo
AooA 12Yr 4 mo
Military Star Card (Charged off)
Bal 3775$
Credit Limit 3150$
NO pay since Feb 2018
NFCU (Charge off) Repo
bal 5,517$
doesn't post the credit limit
started 30 days late may 2018
NFCU ( Charge off)
Bal 4830$
doesn't post the credit limit
30 days late since May 2018
NFCU
6x 30 day late may 2016
3x 60 days late
NFCU ( Charge off)
Bal 3719
credit limit 4000
no pay since Aug 2018
Pioneer/Mac Inc
1x 30 and 1x 60 day late 2017
Pioneer/Mac Inc
bal 5193$
doesn't post the credit limit
starts 30 days late on jan 2019 co starts jun and no reports after jun 2019
Usaa (charge off)
Bal 1302$
Credit Limit 1000$
CO since Feb 2018
I just bought the myfico 39.99 package. I really want to get this under control I just dont have a clue on where to begin or what to do. I didnt list the student loans because they are falling off over the next month or so the ones I posted about are the ones I know about I already paid all the collections and got a letter of deletion. That bumped my credit score up a good bit I looked at myFico once I purchased it and it said I can get to about a 640 once I pay down 9000$ of my revolving credit in the simulated credit thing I'm not sure how accurate that is but I do want to pay down a large amount of my debt over the next 2-3 months.
$1 you can obtain your 3 bureau FICO 8 reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.
Free credit reports (disregard the VantageScore 3.0 score) at:
creditkarma.com for weekly TU and EQ
wallethub.com for daily TU
I would recommend reading the below from ABCD2199
The Truth about Credit Card Utilization
My 11 Rules to Credit Rebuilding
FICO Score: What to pay down first?