Hi everyone here is my overall look at my current credit situation I am reaching out to see if anyone can give me some guidance on my overall credit standings I am looking to purchase a car next month and wanted some advice. Thank you in advance for all of your help I have been following this Forum for a long time.
Current Scores (FICO Score 8) Equifax: 598 Transunion: 657 Experian: 633
Credit One Bank (All Three)
Open Date : 04/2018
Credit Limit: $400
Commenitybank/Wayfair
Open Date: 04/2018
Limit: $3,700
Comenitybank/Victoria secrets
Open Date: 04/2018
Limit: $250
Synchronybank/ CareCredit
Open Date: 03/2018
Limit $7,000
Capital One Bank (Quicksilver)
Open Date: 03/2018
Limit: $300
Capital One Bank (Quicksilver 1)
Open Date: 06/2018
Limit: $300
First Progress (Platnium)
Open Date: 03/2017
Limit: $200
Synchronybank/Walmart
Open Date: 07/2018
Limit: $400
Bank of America ( Cash Reward Platinum Plus Mastercard) (99/500)
Open Date: 07/2018
Limit: $500
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Bad accounts as of 7/11/2018
University of Phoenix Charge off
Reported only on (Equifax stated 7/10/2018 they must dispute for date of first delinquency then will remove if same as Experian reported) and (Experian: Experian stated yesterday 7/10/2018 that it will be removed from credit within 30 days due to age)
Status: Charge Off
Open Date: 08/2011
Last Activity: 10/2011
Balance: $4,619
First Premier
Reported only on Transunion and Experian.
Balance: $442
Limit: 300
Status: Charge off
( Sent the following email 7/10/18)
"
My name is XXXXXX and This is a Notice of Direct Dispute with you, under the provisions of FCRA 623(a)(8)(D), of the accuracy of information you have posted to my credit file. I am providing my information solely for investigation purposes and for you to cease reporting this account to the credit bureaus
Name: XXXX
Last 4 of my social security number: XXXX
DOB: XX/XX/XXXX
This account is reporting to my Transunion report with a balance of $442 with no late payments and charged off. And on my Equifax report with (10) 90day late payments for a card that was open less than 6 months. There is no account number listed with any of the bureaus.
Under the provisions of FCRA 623(a)(8)(E), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute.
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe."
Received this response 7/11/18 from "Office of the President"
XXXX,
Can you please provide your current mailing address to help with our review? Upon receipt of this information, please allow approximately 15 days for our response.
Sent them updated address 7/11/18
Sprint(Convergent Outsourcing)
Collection Original balance reporting $1,036
Date assigned 03/30/2017
Thank you so much everyone if you read this far I apprecaite everyones input.
