Hi first I want to say Im a big fan of the forums!
I've searched for help for a couple of weeks, but havent been lucky.
I currently have 10 negative accounts with 8 collections. Many of these are old charge-offs the earliest one is from 2008. I've tried contacting several of them but they ask for outrageous payment plans that I can't afford. Currenty I have 3 credit cards Secured Cap one, Authorized user Cap One, Walmart, and 2 revolving accounts student loans and fingerhut. I have not been late for any of the currently opened accounts and I try to keep balances low. Recently I applied for a car loan and got approved still in process (fngers crossed).
My current scores show as Equifax 529, Transunion 515, Experian 508, Walmart FICO 595
I would like advice as in what to do or what other steps to take in order to re-build my credit.
Thank You!
Starting Score: 536
Hello Im probably of no help to your current situation im sure someone with more experience will come. 
BUT i did want to ask with a EQ fico of 529 how did you get approved for the walmart card?? Im 560 and to "scared" you can say to even try to apply for it LOL
I applied for the Walmart card last year maybe because of the holidays? Also maybe because their FICO scoring seems to be much higher than the one Equifax website shows.
Basically what you will need to do is clean your report up. You've built new credit with your CCs and the auto loan. But those baddies are going to hold you back. Maybe you can start trying one at a time. Just save up and try for a PFD.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@chevyman wrote:
Never heard of a Walmart FICO
If you have a Walmart CC and sign up for paperless billing, they give you your TU FICO 08 score for free every month.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
All three are reorting the Collections and Charge Offs, I tried contacting the Collection Agencies but one asked for 3 payments of $1000, when I said it was too high they said t call back when I had the money. 
These are some of the numerous accounts. Any suggestions would be greatly appreciated.
Midland Credit Mgmt Aug/08 30 days; Sep/Oct/08 60 days; Nov/08 90 days; Dec/08 120 days; Jan/09 120 days
Date first deliquency 7/2008 Major deliquency first reported 11/2009; date reported 3/20/2013
Asset acceptance/ first national collections Jul/08 30 days; Aug/08 60 days; Sep/08 90 days; Oct/Nov/Dec 08 120 days
Date of first deliquency 6/2008; major delinquency first reported 7/2011 date reported 3/10/2013
pinnacle credir services/ first national collections date of first deliquency 6/2008; date reported 3/16/2013
World f. aug/08 30 days; sep/08 60 days; Oct/08-Feb/09 (shows current however I didnt make such payments) March/09 charge off
Date of first deliquency 8/2008; major delinquency first reported 10/20081 date reported 2/28/2013
CFNA nov/08 30 days; dec/08 30 days; jan/09 60 days; feb/march/09 90 daya; april/09 120 days; may/09 150 days charged off
Date of first deliquency 9/2008; major delinquency first reported 6/2009 date reported 6/29/2009
I did pay an account with Asset acceptance through a settlement it shows as paid collection but it hasnt come off. should I contact them?
The AU cards that I'm currently on are all current and with a low balance.
