Looking for advice on my situation .
I have a 589 Equifax and would like to improve that and my overall credit profile. I know I made some mistake when I was younger and I am now trying to turn it around.
Open Accounts
Chase / Amazon Visa - Im an authorized user. Open. Never missed a payment
Navy Federal Secured - Secured 1000 - Never missed a payment. Always kept low balance.
Navy Federal Regular Visa - 1000 - New card since November. Always paid on time.
Closed
Navy Federal Secured loan 1000. Always made payment on time. (Someone recommended, said it would help.)
Charge Off Account / Date of Last Payment
Sallie Mae - 12951 / 08/2006
First Premier - 417 / 3/2010
First Premier - 348 / 3/2010
Other Accounts
Asset Acceptance - This looks like one of the above First Premier charge offs.
Public Records
I had a DUI ( it was expunged from ARD. from 2008) The clerk of courts reports all fines over 1000. I paid my court costs that were due but never knew about it showing on my credit report. I went to clerk of courk, paid their fee to send to the judge. WIll this be removed or sit out there for 7 years?
