I am just now bouncing back from unemployment and trying to fix my credit. The problem is I don't know where to begin! I pulled my Equifax report and the following has been reported:
- Collection Acct - AFNI, Inc. balance 162, amount due 162, date opened N/A, date reported 04/2008, date of first dilinquincy 08/05
- Charge off account/Acct closed by credit grantor - Bloom/DSNB. balance 900, amount due 900, date opened 12/2008 date reported 12/2010, date of first del 06/2010
- Charge off account/Acct closed by credit grantor - Capital ONe. balance 1,142, amount due 1,142, date opened 08/2007, date reported 09/2011, date of first del 11/2010
- Charge off account - Chase. balance 0, amount due 0, date opened 2/2008 date reported 11/2010, date of first del 04/2010
- Charge off account - Ikea. balance 491, amount due 121, date opened 8/2008 date reported 08/2011, date of first del 10/2010
- Charge off account - HSBC. balance 0, amount due 0, date opened 5/2008 date reported 10/2010, date of first del 10/2010
- Collection account - Midland Credit Management. balance 3164, amount due 3164, date opened 11/2010, date of first del 03/2010
- Charge off account - USAA savings bank. balance 5,581, amount due 1,774, date opened 03/1998 date reported 09/2011, date of first del 04/10. I would really like to keep this/resolve with USAA as I have had it for so long.
Any help on where to begin and how to approach would be much appreciated! Thanks in advance!
