So this what I am facing......I have been horrible with my credit, and it's biting back:
EQ: 477 FICO
TU:535 FICO
EX:570 FAKO
The biggest problem I am having is with my EQ, it totally different than the other 2.....it report a credit history of 6 years, the other 2 report 10 years. But that is neither here nor there here is the picture: Not all creditors report to all three CRAs. That could be why EQ only shows a 6 year history.
5 Collections:
1 PFC for a utility bill $368, 2009, I have submitted a PFD by snail mail, and then called and I received a verbal no over the phone, but I will continue to send out the letters snail mail, until they give me a yes
2 CMI Group, COMCAST, $606, 2009 I have heard great responses about CMI accepting PFD, I will e-mail this week
3 Allied Collections, Provida Sixweek Makeover,$112, 2008, I want to send a PFD, but there are so many Allied Collection out there don't know which one to send it to
4. Gregory J. Barro Associates, AT&T, 2007 I actually paid these guys, it is mark paid on CR, but I think GW to have it removed???? Yes, send a GW.
5. The Bereaus, have no idea, $1,211, I disputed this account, waitng on results
Late payments:
For some reason LVNV is reporting 120+ late, I thought the couldn't do that as a CA???? FICO does not see the lates, they see the worst delinquency which is the collection. If the OC reported the lates to them they can report it as worst delinquency.
AAFES, a couple of late payment, $9,500 CL, $7,000 Balance,but I am current now, I e-mailed them a GW, but they refused, they replied that they can only take the late payments off if it was an error on their part. You need to get this balance down to 10% or below. If you ever get late again ask them if they would reset your account. They have done this for me a couple of times. It depends on who you talk to but have a good reason for being late.
Charge Offs: Are these only reported by the OC or a CA also? If the OC is reporting a balance it is killing your utilization.
Captial One, 2008, $2,222
Orchard, 2008, $ 2,094
JCPenney, 2008, $294
BOA, 2008, $794
Merrick, 2008, $2024
Fingergut, 2009, $750
Current Credit:
HSBC Auto: $1,701, 3 more payments
First Premier $250 credit limit $11 balance
Installment loan #1, $4,100 currrent, pays as agreed
Installment loan #2, $5400 current pays as agreed
Installment loan#3, $253, 3 more payments, current pays as agreed
Installement #4, $2,044, current pays as agreed
Installment #5, $1,669, current pays as agreed
I think that is it....I really need help, this is a frustrating process. I divorced and became a single parent in 2008 and that's when my credit took a turn for the worst. I am now trying to get my life back on track, and the biggest thing is I will be relocating in CA in the fall. I really like to find a nice place for my daughter and I, and I know credit plays a huge role in where I can live. I am open to all advise. Thanks in advance for your help.
I am assuming you are or were military. Are you still active?
The other items, you are doing the right things on them. The biggest thing is going to be if the OC is reporting a balance on your COs and reporting to a CA. You get a triple whammy. One for the CO, one for the OC showing a balance (if they are) and one for the collection account
I am guessing these are well within SOL?
