@Amiashu12 wrote:
Hi Everyone. I have pulled the latest myfico and freeannualcredit report. I have gathered all the negative and collections. Some of the removal dates are off on months but year is accurate. Please help me to figure it out which one should I take care of it first and which one should I not worry about it. Thanks for the help and advice in advance.
Chase charged-off Balance $728 credit limit $400 credit util. 182% remoal date 12/2019
American Express Chargeg-off Balance $2053 removal date 10/2019
Pioneer CU charged-off Balance $1108 Credit limit $1000 credit util 111% removal date 06/2021
American Honda Finance Repo to Charge-off Balance $4293 removal date 01/2019
Pioneer CU Paid accout as agreed late payment 60 days delinquent remova date 12/2019
Nizari Prog. Pays account as agreed late payment 30 days delinquent removal date 12/2019
Pioneer CU pays account as agreed late payment 90 days delinquent removal date12/2019
Citibank Charged-off Balance $689 Credit Limit $500 removal date 02/2022
Collection:
Portfolio Rec. Capital One bank Balance $762 removal date 12/19
Austin Radiological Balance $400 removal date 04/2023
Afni Att Mobility $402 removal date11/2020
Merchant & Prof. Exin Security System Balance $2597 removal date 01/2020
First of all, you should look up the SOL on each debt in your state/jurisdiction. If that debt is still in SOL, don't poke the beast.
Austin Radiological you should attack using the medical collectio methods -- there are a variety so do some work on searching for those. Try "medical collection" search on these forums and read, read, read.
AFNI should be PFD or have AT&T recall it to pay the OC and delete the collection.
As for others, I wouldn't pay any other collections without a PFD agreement in writing.
I would pay any chargeoffs showing a balance if you want your scores to go up in the short term before those are deleted -- chargeoffs with a balance hurt you more with a balance than without. Collections hurt you regardless of if they're paid or unpaid, so the only score improvement with collections is PFD.
That Citibank one is the worst -- as long as it reports, even if you do everything right starting now, you may be capped at 700-720 FICO score until it falls off in 2022. Not horrible since that's a "good" score and can get you some "good" cards, but it will prevent you from having a great score unless you can age your new accounts enough to get in the 740-760 range (the maximum score you can have with a single chargeoff reporting).
