Here is a couple of more ideas. On the wifes credit report the there is a colleciton for $30 collection agency is Credit Adjustment inc . Contact the original creditor and see if thwey will take payment in full in exchange for pulling this back from the collection agemcy PFD the CA. On Your report Collections Inc for $237.same Iidea. The reaosn I suggest this is. With The FICO score the more recent the derogatory item is the greater the impact on your score. If you can get these tow accounts removed you should gain some points (how many not sure). My suggestion if sucessful would put most of derogatory infomration 2 or three years in the past or more. Keep going you have made good progress!!!
FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
