I've started rebuilding since last year. I started off with a score in the low 500s and about 20 baddies on each report. I just checked my TU Fico from walmart credit card and it said 618. My goal is for 640 for a USDA by middle of next year (so no big rush yet). What I have left... and none of these will fall off until 7/2014.
Cach LLC 1396 (they are reporting that I owe for a WAMU account which is no longer on my report and was with LVNV which also removed themselves)
Cap 1 5303 chargeoff
credit one (on TU it says paid full, was a charge off, on EX shows chargeoff )
FPB 158 chargeoff
HSBC 0 chargeoff (have tried GW, no luck)
I believe the Cap1 and FPB is factoring into my util%
AU
citi 2100 with limit of 9200
discover 1k with limit of 5700
chase 0 with limit of 5000
my own cards
walmart 0 with limit of 400
merrick bank 0 with limit of 750
cap1 secured 0 with limit of 310.
Is it true that they will ask me to remove my AU accounts in UW? If I just settle with cap1? will taht still be ok? I hear that settling is seen as the same as unpaid.
