I am listing my baddies that are on my experian report the lowest of the three my score is 595 - thought I should start here first. I would appreciate any advice. I apologize ahead of time for it being so bad. Not sure what to do first
AMERICREDIT
This is a van we had repossessed early 2005 (my husband lost his job) is there anything I can or should do. I am terrified that they will sue us- we cannot afford to settle. When should this come off my report?
Date open April 2002-----DOLA Dec 2004-----balance 10,269------past due 307-------reported as a charge off unpaid balance by credit grantor
CAP ONE
This is a credit card I had could not pay. Eventually received a summons to pay or appear in court- I was able to pay in full states account legally paid
Date open Oct 2000----DOLA Nov 2006---date of last payment nov 2006
PRINICIPAL RESIDENTIAL MTG
Old mortgage no longer have
Date open April 2001-----DOLA May 2004 ------12 times 30 days late from Feb. 2003- APRIL
PIONEER CREDIT
Used car loan old—paid in full
Date open Dec 1999-----DOLA July 2002------3 times late in 2002
AURORA LOAN
Old mortgage no longer have
Date open Feb 2001----DOLA Feb 2005----Last payment Dec 2004—1 time late in Feb 2005
CHRYSLER FINANCIAL
This is an old car loan no longer have traded in would GW letter help should I write or call?
DATE OPEN April 2006-----DOLA Nov 2007- ---Last payment July 2007----- 30 days late Nov 06,March 2007, and May 2007
TAYLOR BEAN and WHITAKER
Current mortgage I was late 30 days in march of 2007—Should I GW?
I have several duplicate student loans are these hurting my FICO?
Inquiries- When I first started my search for a mortgage I spoke with several lenders, I was under the impression that if the inquires where in a 2 week time frame it would count as 1 inquiry was I wrong?
I really appreciate your help
