My credit isn't "that bad", I guess. Depending on the number it hovers between "upper bad and "below average".
I thought about looking into a company to help, but I really don't think they can. With one exception, everything is valid. I let a couple things slip through my grasp a few years ago - probably not even $1000 total, but there are collection accounts. I can't really deny them. I think the best I can do is pay them and wait for them to roll off.
There is one exception, though. there are two accounts I dispoted, and they're gone from Equifax and TransUnion, but still showing up on Experian. They SAY "disputed", but they're still there. AmI going to need help clearing those off?
Part of my problem is I don't carry a lot of credit, so the few bad accounts are the bulk of the report. I keep one revolving credit card and keep a balance on it for the express purpose of building credit, but two agencies call it a "potential negative". Every month is OK except one 30 day in 2014. Is a four year old 30 day really that bad for me?
The only other thing I have is a car payment. I could have paid cash for the car, but I financed some of it for again the express purpose of carrying credit. Also, anyone know how long I should keep it? I don't want to keep it all six years. Other than that, other than being "new" (July 2018), I guess it's OK. I got 5 hard pulls on the day I bought it, but I'm reading that's not bad for you.
My only other hard pull is an internet provider. should they be able to do that?
Any other advice but to pay up and try to pursue the two errant accounts on Experien, either alone or with a company?
Thanks for looking!
Welcome to MyFico
Can you tell us:
Along with the request above me, you can contact all the creditors/collection agencies and negotiate for "pay for deletes."
They may or may not offer them but it's worth asking. You can settle for lessor amounts etc...
Also get your 3 FICO scores for $1 here: https://www.creditchecktotal.com/homepage8
Just cancel within 7 days to avoid being charged more. That way you'll know for sure what your scores are.
Midland and Portfolio are owned by the same company and both have the two year policy, so I would clear those two up. With Sync, call and see if they will settle. Like most lenders, they will not do a PFD, but you could goodwill them after they payment has been posted. Having the two collections removed and settling the Sync debt will give you a boost
Pay your credit card down to under $60 if you can. That should give you another boost in score.
I found the goodwill stuff.
I found something else. I have a "Closed" account with "Account Status CHARGE_OFF"
That one was sent to a collector, and I paid it - looks like two years ago. That one was Midland and I guess they quit reporting it due to the thing we already discussed.
But the original account holder is still on there showing the charge off. Seems like it should be one or the other, but I don't understand all this stuff.
It shows Delinquency First Reported Dec 01, 2012
and Date Reported Nov 24, 2014
I assume there's nothing I can do about it except let it age off.
But does it age off in December 2019 or November 2021?
Why would the dates be two years apart?
Thans for looking.
OK. Thanks. I'll pay the card down and look in to paying Portfolio, because that ones o ER two years.
What is Sync?
Is "goodwill" something I can find searching the forum?
Sync is Synchrony Bank