Here is how my credit looks: I am looking to get an apartment because my husband and I are separating and well its mostly my fault so i wont get into all of that.
Here is how my credit looks:
TransUnion score-470
Collections:
Medical $455
DA- 7.21.03 DR- 7.16.08
Medical $1403
DA-9.28.04 DR-7.16.08
Medical $270
DA-11.5.04 DR-7.3.08
Medical $81
DA-6.16.07 DR-7.31.08
Medical $147
DA-3.16.07 DR-7.31.08
Credit $1015 (loan)
DA-12.1.07 DR-2.16.08
Animal hospital $219
DA-11.30.04 DR-2.16.08
Medical $2305
DA-9.20.07 DR-1/28/08
Medical $175
DA-8.6.07 DR-1.6.08
Medical $175
DA-9.4.06 DR-1.6.08
Maye Heating and Cooling $236
DA-9.4.06 DR-2.4.07
Medical $277
DA-6.12.06 DR-2.4.07
Medical $653
DA-8.23.04 DR-5.6.06
Time Warner Cable $111 -PAID
DA-1.25.06 DR- 12.1.06
EXPERIAN Score-429
the only different account on here is:
Bellsouth $77
DA-2.18.05 DR-?
EQUIFAX Score-379
No different than TransUnion
Accounts:
Equifax:
GEMB- Date Openend- 11.06 Balance-0 Paid Late- No
Imagine- Date Opened-5.07 Balance-706 Paid Late-30 days
BOA- Date Opened-11.07 Balance- 45 Paid late- 30
HSBC-Date Opened- 4.07 Balance-906 Paid Late- Charged Off
LVNFDNG- Date Opened - N/A Balance-246 Paid Late 120+ (this was a fraudulent account and was taken off my TU it doesnt show up on Ex)
American General- Date Opened-5.08 Balance-4318 Paid Late- Current
Wells Fargo- Date Opened-3.07- Balance-0 Paid late-No Paid in Full
Wells Fargo-Date Opened- 7.07-Balance-0 Paid Late-30 days Paid in Full
Experian-
HSBC- Date Opened-4.07- Balance- 906 Paid Late Charged off
Imagine- Date Opened-5.07 Balance-729- Paid late-30 days
Discover- Date Opened-5.02 Balance-0 Paid late- Paid in Full
BOA-Date Opened-10.07 Balance-46 Paid late-30 days
American General- Date Opened-5.08 Balance-4318 Paid Late- Current
Wells Fargo-Date Opened-3.07- Balance- 0 Paid Late- Paid Off
Wells Fargo- Date Opened-7.07 Balance- 0 Paid Late-30 days Paid off
TransUnion-
GEMB-Date Opened-10.06 Balance-0 Paid Late-Paid in Full
HSBC-Date Opened-4.07 Balance-907 Paid late- Charged Off
Imagine-Date Opened-5.07 Balance-694-Paid Late-30 days
RRD660-Date Opened-7.08 Balance-485 Paid late- Charged Off
BOA-Date Opened-10.07 Balance-46 Paid Late-30 Days
Discover-Date Opened-5.02 Balance-0 Paid late- Paid in Full
American General- Date Opened- 5.07 Paid Late- Current
Wells Fargo- Date Opened-3.07 Paid Late- Paid in Full
Wells Fargo- Date Opened-7.07-Paid Late- Paid in Full 30 days
any advice would be super helpful sorry for the long post and for putting it all out there in the open but no other way to put it really.
