Realized I wasn't giving much for anyone to go on in my original post. This is what my report says:
From TU with a score of 628:
No accounts past due
Credit history: 4 years
Accounts with negative indicators: 1
Total balance of Revolving accounts: $170 (just paid down to $22 last night)
Mortgage: none
Installment loans: none
Total number of
Accounts: 2
Accounts with balances: 1
Accounts opened in past year: 1
Recent inquiries: 8
Collections : 2
Public Records : 0
Accounts are:
Capital 1: Balance $170 (now at $22) Paid or paying as agreed
Verizon Wireless: Balance $0, payment after charge off/collection *this has a flag for being harmful to my score*
Collections:
Phoenix Recovery Group (apartment fee): date assigned Dec 16, 2004. $7,204 but with interest it is now at $7,254.
Credit System Int'l: date assigned April 12, 2005. $196. *Sent PTD letter and received reply that did not state they would delete. will post later tonight with what the letter says*
From Equifax with a score of 631:
No past due accounts
Credit history: 4 years
No public records
Revolving accounts: $170 (now at $22)
No mortgage
No installment loans
Total number of
Accounts: 2
Accounts with balances: 1
Accounts opened in past year: 1
Recent inquiries: 13
Collections: 2
Public Records: 0
Accounts:
Cap One. $170 bal. Pays as agreed
Verizon. $0 bal. Bad debt/collection. No negative (?)
Collections:
Credit Systems Int'l. $196. Sent PTD letter with a reply but no confirmation of deletion.
EOS-CCA (medical). $85. Opened Feb 2006. Sent PTD letter Aug 1st and no reply yet.
