Hello all! I have been reading on here for a couple of years, but am going to take the plunge. Need help getting started. Here are my negatives. Almost all my negative accounts are 2-3 years old, so I won't mention the dates. My credit scores are between 649-659, but would like to purchase a house soon. Any chance of getting any of these removed? I really don't know where to start! Thanks!
BOA real estate, several lates, including 90 days
Citifinancial (experian only)
Payment StatusHigh BalanceLimitTermsComments
| $0.00 | | | |
| Payment after charge off / collection | | | |
| $1,629.00 | | | |
| $1,200.00 | | | |
| | | | |
| Settled; less than full balance |
Educaid
experian only
BalanceDate OpenedAccount StatusMo. PaymentPast DuePayment StatusHigh BalanceLimitTermsComments
| Education Loan | |
| $0.00 | |
| 9/1/2003 | |
| Closed | | | |
| | | | |
| $0.00 | | | |
| Charge-off | | | |
| | | | |
| | | | |
| 41 Months | | | |
| Account in dispute-reported by subscriber |
GECRB/Paypal
Date OpenedAccount StatusMo. PaymentPast DuePayment StatusHigh BalanceLimitTermsComments
| $0.00 | $0.00 | |
| 1/1/2006 | 1/1/2006 | 1/18/2006 | |
| Closed | Closed | Closed | | | |
| | $0.00 | | | | |
| | | $0.00 | | | |
| Legally paid in full for less than the full balance | At least 120 days or more than four payments past due | Payment after charge off / collection | | | |
| $930.00 | $930.00 | $930.00 | | | |
| $0.00 | | $0.00 | | | |
| Revolving | | | | | |
| Election of remedy - reported by subscriber | SETTLEMENT ACCEPTED ON THIS ACCOUNT
PAID COLLECTION | Settled; less than full balance | | | |
| | |
HSBC Bank Experian only
Account StatusMo. PaymentPast DuePayment StatusHigh BalanceLimit
| Closed | | | |
| | | | |
| $0.00 | | | |
| Payment after charge off / collection | | | |
| $1,104.00 | | | |
| $800.00 |
HSBC Best Buy
Payment StatusHigh BalanceLimitTermsComments
| Charge-off | Bad debt & placed for collection & skip | Payment after charge off / collection | | | |
| | $1,670.00 | $1,670.00 | | | |
| $1,305.00 | | $1,300.00 | | | |
| Revolving | | | | | |
| Account in dispute-reported by subscriber |
ACCOUNT TRANSFERRED OR SOLD | Account information disputed by consumer |
Nissan Motor Acceptance
Payment StatusHigh BalanceLimitTermsComments
| | $0.00 | | | |
| Paid, was past due 90 days | not more than four payments past due | 90 days past due | | | |
| | $18,574.00 | $18,574.00 | | | |
| | | | | | |
| 42 Months | | 60 Months | | | |
| | PAID ACCOUNT / ZERO BALANCE
AUTO |
Sallie Mae
High BalanceLimitTermsComments
| Legally paid in full for less than the full balance | Bad debt & placed for collection & skip | Payment after charge off / collection | | | |
| | $3,745.00 | $3,745.00 | | | |
| | | | | | |
| 60 Months | | 60 Months | | | |
| Election of remedy - reported by subscriber | SETTLEMENT ACCEPTED ON THIS ACCOUNT
PAID CHARGE OFF |
Home Depot/CBNA There are 2 lines here for 2 different account numbers, but I only had 1 account. 2 CB are showing 1 number the other 1 showing another
High BalanceLimitTermsComments
| Payment after charge off / collection | | | |
| $1,439.00 | | | |
| $1,000.00 | | | |
| | | | |
| Account information disputed by consumer |
Toyota Motor Group
High BalanceLimitTermsComments
| Paid, was past due 60 days | Not more than two payments past due | 30 days past due | | | |
| | $9,401.00 | $9,401.00 | | | |
| | | | | | |
| 48 Months | | 48 Months | | | |
Subscriber reports dispute resolved - consumer disagrees |
PAID ACCOUNT / ZERO BALANCE | Dispute resolved; customer disagrees |
AES/Wells Fargo
Past DuePayment StatusHigh BalanceLimitTermsComments
| $0.00 | | | |
| | $0.00 | | | |
| CONTACT MEMBER FOR STATUS | Charged off as bad debt | | | |
| | $2,500.00 | | | |
| | | | | |
| | 41 Months | | | |
STUDENT LOAN | Account information disputed by consumer |
Allgate Financial
Payment StatusHigh BalanceLimitTermsComments
| Paid, was a collection account, insurance claim or government claim or was terminated for default | | | |
| | | | |
| | | | |
| 1 Month | | | |
| | | | |
| | | | |
GECRB/JCP
High BalanceLimitTermsComments
| Current, was past due 30 days | Pays account as agreed | Paid or paying as agreed | | | |
| $222.00 | | $222.00 | | | |
| $200.00 | $200.00 | $200.00 | | | |
| Revolving | | | | | |
| | CHARGE
| | | | |
| | | | |
Chase, I don't know what this is. I have only had 1 Chase account and I still have it and it shows as current. It did have a much higher limit and when i went through my financial issues, they lowered it to whatever my balance was at the time (I think 1100 somthing)
High BalanceLimitTermsComments
| Paid, was past due 90 days | Paid or paying as agreed | | | |
| $5,000.00 | $5,000.00 | | | |
| $1,172.00 | $1,172.00 | | | |
| Revolving | | | | |
| Credit line closed-grantor request-reported by subscriber | Canceled by credit grantor | | | |
| | | | |
