Rebuilding My credit

[pc2388]

Hey all, im new to the forum. I cant get enough of it actually Lol. Getting ready to read through my credit report and ill post here for suggestions. I have a lot of old debt that I bet the SOL is almost up on. Not sure what happens after it expires. I will update when I see the monster that is my credit report.

Thanks in advance!!

[Hannahsmom]

Welcome! I am new also.. Been on a few weeks and I have learned SO much in just that short time! Anxiously waiting to see the results from my PFD's and GW letters I sent out earlier this week Good luck to you!!!

[rcolombe]

Welcome.

I am fairly new as well. The info and help i have received in the past month has helped me shoot my scores up 40-50 points on average.

This site is a blessing!

[12njoy]

Welcome all,

I am new as of September 2013.  This are some great people/advice here.  I started rebuilding in 2012 after a credit hiatus.  That was the 2nd worst mistake (1st was letting my credit tank) of my credit life.  Anyhow, I'm working northward.  It's been a slow process, but 2013 has been good to me with approvals.  I've had a few denials along the way as well.  I expect to crest sometime late next year when my last charge off falls off Equifax and Transunion.  I have 3 left on Experian which will take me into Jan 15, but my Experian score is higher than Equifax.  Long story short, welcome and wishing you all the best.

[pc2388]

Ok heres everything on my credit report. If those of you with experience reestablishing good credit could tell me what you think I should do to begin, it would be much appreciated!!!

BALTIMORE CO DISTRICT COURT   Identification Number:  080400001272011  Date Filed: March 28, 2011 Status: Civil claim judgment.

BALTIMORE CO DISTRICT COURT   Identification Number:  080400080022011  Date Filed: May 3, 2011 Status: Civil claim judgment. 

AMERICAN EDUCATION SERVICE/PHEAA   Account Number:  99999759.... Date Opened: 03/2011 Status: Refinanced,closed.

AMERICAN EDUCATION SERVICE/PHEAA   Account Number:  99999759.... Date Opened: 03/2011 Status: Refinanced,closed.

AES/PHEAA NATNL LN   Account Number:  4366718674PA0.... Date Opened: 10/2006 Status: Claim filed with government.

AES/PHEAA NATNL LN   Account Number:  4366718674PA0.... Date Opened: 10/2006 Status: Claim filed with government.

AFNI   Account Number:  204320.... Date Opened: 09/2010 Status: Collection account.

CREDIT PROTECTION ASSOCIATION   Account Number:  1555293142 Date Opened: 09/2009 Status: Collection account.

FEDERAL LOAN SERVICING/PHEAA   Account Number:  9819296659FD0.... Date Opened: 08/2012 Status: Open.

FEDERAL LOAN SERVICING/PHEAA   Account Number:  9819296659FD0.... Date Opened: 08/2012 Status: Open.

NATIONAL RECOVERY AGENCY   Account Number:  8009026 Date Opened: 11/2008 Status: Collection account.

NCO FINANCIAL SERVICES/09   Account Number:  23871315 Date Opened: 07/2011 Status: Collection account.

NCO FINANCIAL SERVICES/99   Account Number:  753277806 Date Opened: 09/2013 Status: Collection account.

PINNACLE CREDIT SERVICES   Account Number:  MD01.... Date Opened: 11/2011 Status: Collection account.

RECEIVABLE MANAGEMENT SY   Account Number:  R800PAT0016521178 Date Opened: 07/2008 Status: Collection account.

VERIZON   Account Number:  63086.... Date Opened: 03/2013 Status: Collection account.

WILMINGTON TRUST CO   Account Number:  8000096606981.... Date Opened: 12/2004 Status: Transferred,closed.


This is only my experiab report still have to get the other two.

[pc2388]

Experian sorry for the misspelling

[guykara]

Please make note of the amounts / if they're paid - it'll be helpful for advice!

[pc2388]

Oh darn I thought I did that. Lemme get that

[12njoy]

@pc2388

Who's the creditor with the civil judgments?  The american student loans are they derogatory?

[12njoy]

OP do you have open credit cards now reporting as a positive TL?  If not, get one or two even if they are secured.  I made the mistake of not obtaining credit, but working on just the negative items.  You should work on both together because CRA's factor in the last 24 months heavier than any other period.