Not quite sure where to start. Here are the 6 accounts on my report. Tks.
Equifax score: 574
ACCOUNTS:
Status as of Oct, 2013
Date opened Jun, 2012
Date of last activity Sep, 2010
Largest past balance $1,699
Account Type Open Account
Account holder Individual
Industry Factoring Companies
Descriptions
Collection account
No contact information provided by Equifax
Balance Current Status Past Due Amount
$1,699 120+ days past due $1,699
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Status as of Oct, 2013
Date opened Jul, 2013
Date of last activity Jun, 2011
Largest past balance $783
Account Type Open Account
Account holder Individual
Industry Factoring Companies
Descriptions
Collection account
No contact information provided by Equifax
Balance Current Status Past Due Amount
$783 120+ days past due $783
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Status as of Jul, 2013
Date opened Jan, 2007
Date of last activity Jun, 2011
Largest past balance $782
Account Type Revolving
Account holder Individual
Industry National Credit Card Cos.
Descriptions
Account transferred or sold
Charged off account
No contact information provided by Equifax
Balance Current Status
$0 Bad debt/collection
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Status as of Jun, 2012
Date opened Apr, 2007
Date of last activity Jul, 2010
Largest past balance $1,063
Account Type Revolving
Account holder Individual
Industry Sales Financing
Descriptions
Account transferred or sold
Charged off account
No contact information provided by Equifax
Balance Current Status
$0 Bad debt/collection
Seven year payment history
30 days late 2 times (Sep 2010)
60 days late 1 time (Oct 2010)
90+ days late 4 times (Feb 2011, Jan 2011, Dec 2010, Nov 2010)
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Status as of Mar, 2010
Date opened Dec, 2005
Date of last activity Aug, 2009
Credit limit $515
Account Type Revolving
Account holder Individual
Scheduled Payment Amount $21
Industry TBA Stores, Tire Dealers
Descriptions
Charged off account
No contact information provided by Equifax
Balance Current Status
$0 Bad debt/collection
Seven year payment history
30 days late 1 time (Oct 2007)
60 days late 0 times
90+ days late 1 time (Aug 2009)
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Status as of Oct, 2013
Date opened Dec, 2008
Date of last activity Oct, 2013
Account number XXXXXXXXXXXXX0441
Largest past balance $23,849
Account Type Installment
Account holder Joint
Scheduled Payment Amount $301
Industry All Banks
Descriptions
Auto
Fixed rate
No contact information provided by Equifax
Balance Current Status
$12,439 Pays account as agreed
Seven year payment history
30 days late 1 time (Oct 2011)
60 days late 1 time (Nov 2011)
90+ days late 0 times
Starting Score: Experian 514 Equifax 510 TransUnion 510