@Anonymous wrote:
I appreciate any advice on improving my FICO score and credit across the board.
Below are my negative/charged off accounts and active accounts from my July Equifax 3-in-1 credit report.
ACTIVE ACCOUNTS:
1. REGIONAL ACC 11 0612014 1012010 21424 44 11208 68878963801 06/2014 72M529 529
Type of Loan: AUTO
PP Start Dt: 06/2014 PP: 1111111111111111111111111 XPN=01,EFX=01,TU=01
Comments: OPEN;CURRENT ACCOUNT;AUTO
2. NAVYFCU R1 07/2014 06/2014 500 407
Type of Loan: CREDIT CARD I CHARGE ACCOUNT
PP Start Dt: 07/2014 PP: 1 B I EFX=01,XPN=01,TU=01
Commenls: OPEN;CURRENT ACCOUNT; CREDIT CARD; AMT IN HIGH CREDIT IS CREDIT LIMIT**Secured Credit Card**
3. NAVY FCU R1 07/2014 05/2014 500 303 202406095612030 07/2014 REV20
Type of Loan: CREDIT CARD I CHARGE ACCOUNT PP Start Dt: 0712014 PP: 11
Comments: OPEN;CURRENT ACCOUNT;CREDIT CARD;AMT IN HIGH CREDIT IS CREDIT LIMIT
**Secured Credit Card**
BADDIES:
1. SANTANDER 19 0612014 0612008 29816 73 10114 30000186432901000 09/2008 60M813 813 J Type of Loan: AUTO DEL DATES=, 1012008=13,0912008=12 s ...._$"'' t1 L ( $ o. ao PP Start Dt: 0612014 PP: 99X99999999999999999X9999 B I XPN=01,EFX=01,TU=01. REPOSSESSION; THERE MAY BE BALANCE DUE; CHARGED OFF ACCOUNT; CHARGE OFF; ACCOUNT CHARGED TO PROFIT AND LOSS.
**I paid $4100 settlement offer in full June 14. Today, EQ alerted me that account changed from CO to Closed/Paid.** Start a GW letter campaign at a rate of 1 a month to the exec office of Santander USA (do not send it to HQ in Spain) until you get what you want. I cant tell from this posting when the DoFD or repo actually was. This can remain on file for up t 7.5 yrs from the DoFD of the account.
2. FST PREMIER R9 1012013 0712012 430 16 430 4305178006398073207 1012012 REV Type of Loan: CREDIT CARD I CHARGE ACCOUNT DEL DATES=, 12/2012=R3,1112012=R2 PP Start Dt: 1012013 PP: 9XXXXXXX99321111. ACCOUNT DELINQUENT 60 DAYS PAST DUE DATE; CREDIT CARD; CHARGED OFF ACCOUNT; CHARGE OFF; ACCOUNT CHARGED TO PROFIT AND LOSS.
**I paid the past due balance of $430 in full on June 19. I received a letter from FPB stating that the balace past due is $0.00** This is going to be a toughie but start GW letter campaign at same rate as I said to their exec office.
3. HELVEY ASSOC 09 0912010 0612010. 219.
**I paid the $219 past due amount in full this week** GW letters as well
4. EVERGRN PROF 19 0612012 05120125255265 0412012. Type of Loan: COLLECTION I ATTORNEY FEES. PP Start Dt: 0612012 PP: 9 B/TU=01 136 1 136
B I XPN=01,EFX=01,TU=01 C I OUTSTANDING BALANCE; ORIGINAL CREDITOR: 13 SAC FEDERAL CREDIT UNION; ORIGINAL CREDITOR: SAC FEDERAL CREDIT
Comments: COLLECTION ACCOUNT; COLLECTION ACCOUNT**I paid EVERGRN PROF the past due amount of $136 in full on June 14** GW letters
5. REC MGM SYS 19 0712014 0912012 114 21 78 RPAT0018636349512121M. Type of Loan: COLLECTION I ATTORNEY FEES. PP Start Dt: 0712014
PP: 9XXXXXXXXXXXXXXXXX9X9 B I XPN=01,EFX=01,TU=01CI OUTSTANDING BALANCE; ORIGINAL CREDITOR: MEDICAL; ORIGINAL CREDITOR: MEDICAL PAYMENT DATA; MEDICAL;Comments: COLLECTION ACCOUNT; COLLECTION ACCOUNT.
**I paid REC MGM SYS the past due amount of $78 in full on June 14** GW letters
6. FST PREMIER R1 12/2013 1212009 250 48 0 05178006246223970 0612013. Type of Loan: CREDIT CARD I CHARGE ACCOUNT
PP Start Dt: 1112013 PP: 111111154321111111112111 DEL DATES=, 0412013=R5,0312013=R4,0212013=R3
B I EFX=01,XPN=01,TU=01 5 3 4 C Is CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE.; PAID; ACCOUNT CLOSED AT CONSUMER'S REQUEST; ACCOUNT Comment : PAID; ACCOUNT CLOSED BY CONSUMER GW asking for forgiveness on the lates
7. GM FINANCIAL 441930807 0712014 0612008 0512009 24573 74 0 Type of Loan: AUTO DEL DATES=, 0712009=14,0612009=12, 1012008=12
PP Start Dt: 0712014 PP: 99X99999999999X9999999999 B I XPN=01 ,EFX=01 ,TU=01 ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE; PAID COLLECTION; CHARGE OFF; SETILEMENT Comments: ACCEPTED ON THIS ACCOUNT; ACCOUNT PAID FOR LESS THAN FULL BALANCE; SETILEMENT ACCEPTED ON THIS ACCOUNT**I paid the settlement offer of $4700 in full on June 5** GW letters
8. Chapter 7 Bankruptcy, Discharged 7/11/2006 Not much you can do with this one remains on file 10 years from date of filing, when its only got 6 months to go can call the CRAs and ask it be removed early.
Thank you.
Greg
You have a lot of GW letter work ahead of you, you may get lucky with some right away maybe not, you will just have to keep at it every month until you do get what your after or they are dropped from your reports. What you want to end up with is at minimum 3 revolving bankcards and 1 store card to help build your Fico back up. I wish you good luck 
@Anonymous wrote:I really appreciate the advice.
I will start a GW letter writing campaign as you advised. Settling all my COs was beneficial, even though it drained my savings. I guess a 48pt increase in my FICO was worth $10k. In reality, I wanted to make a good faith effort in paying the COs once I was in a better financial situation as I am now.
Thanks again.
To an underwriter you will be golden once all these pretty much hit 1 year post payment, the fact that they are paid will go a long way on a recon for new credit.