@Anonymouswrote:Looking for some guidance.
Little Bit of breakdown on my CR-
6 Store Cards - turned 6 months old on Feb 2nd except last one is only 5 months old.- All will update balances on Feb 20th
J.Crew- Reporting Balance: $127 Current Balance: $0 CL-$1250- Acheived by 4 CLI
Boscovs- Reporting Balance: $0 Current Balance: $0 CL- $250
Express- Reporting Balance: $181 Current Balance: $0 CL-$250
Brylane- Reporting Balance: $67 Current Balance: $0 CL-$400 - Acheived by Going over CL online
Victoria- Reporting Balance: $551 Current Balance: $551- CL $700- Acheived by Going over CL online
Walmart- Reporting Balance: $0 Current Balance: $0 CL $200- Requested Several CLI and Denied everytime.
2 Credit Cards-
Total Visa Card- Reporting Balance: $181 Current Balance: $181 CL- $350- 7 Months Old
Credit One Bank- Reporting Balance: $297 Current Balance: $0 CL-$300- 5 Months Old and Shoud update to $0 balance today.
You have way to many current open revolvers reporting a balance you want one only and a small amount of no more than 9% of its CL looks like you are going to get some reporting 0 and thats good.
1 Student Loan in Defferment- $17,000 will begin making payments again in May. Loan is 3.5 years old.
Baddies: NONE of these are Collections. All Reporting with OC
Captial One Charge off 9/16 - $300- Settled Less Than Full- Jan 2017
Captial One Charge off 12/16 - $500- Settled Less Than Full- April 2017
First Premier Charge off 1/16- $300- Settled Less Than Full- Jan 2018
Fingerhut Charge off 11/16- $200- Was tranferred to Collections Agency and Collections account was removed only Fingerhut Showing
2 Accounts with AES/PNC 120 Days Late on Both- DOFD 09/11 on Both- Transunion removed for EE Still Reporting on EQ/EE Request GW removal from the reporting entity and use this method on the ones settled above as well.
1 Account with AES/PNC Charge off 9/16 Joint Account with mother, She included in her Bankruptcy finalized in December 2017 If you can pay it try the PFD. Even if they deny it you want to make arrangements to settle then can come after you as joint holder.
CLOSED ACCOUNTS
Auto Loan with Santander
Student Loans Aprox 4
Current Fico 8 Scores as Follows: TU (653), EQ (639) EQ(603)
I opened a Savings/Checking with NFCU on 1/16/18. Applied for Cash Rewards and Declined/ Reconed Declined. Apped for CLOC Denied/ Recon Denied.
I moved to Chicago in 2015 from Kentucky and the cost of Living took a toll on me forcing me to Charge off these old accounts. Since I have started a much higher paying career and become far more financially responsible. I am working dilligently to fix my past and rebuild so that I may one day own a home here in Chicago. Currently I feel like my scores are fairly Stagnent and just wanted to reach out the this incredible community to see if anyone has any advice on how to move forward.
Thanks so much!
