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Hello Board,
I’m finally in a place to repair start the groundwork for any type of betterment of my credit. I have charge-offs from 2011 or so after I hardly made any money and eventually lost my job. I was unemployed for 2 years or so and started to build myself back up. I’m located in California and with statute of limitations (SOL) I know some things are considered uncollectable or may age off. I signed up for Credit Karma, and see I have 1 collection account. There’s some old charge offs as well. As it stands, my credit scores are 534 (Transunion) and 590 (Equifax). Seems Equifax also lists a positive closed auto loan from 2004 and another closed credit card with zero balance (Sleep Number) – hence why the possible flocculation.
Here are the accounts in questions.
Collection
Enhanced Recovery Corp:
Balance $192
Opened Date: 9/9/14
Last Reported: 07/02/17
American Express
Amount Past Due: $3,237
Balance $4,212
Closed Date: 4/20/12
Last Reported: 07/07/17
Status: Charge-Off
Macy’s:
Amount Past Due: $336
Balance $336
Closed Date: 08/11/11
Last Reported: 07/17/17
Status: Charge-Off
Toyota Motor Credit (Co-signed – big mistake and the person got this repoed)
Balance $0
Closed Date: 11/30/11
Charged off as bad debt
Repossession; redeemed
American Honda –
Car is paid off but have some lates on there….
012
OK
OK
OK
OK
2011
60
U
30
60
30
OK
OK
OK
OK
OK
OK
OK
2010
60
OK
30
J
F
M
A
M
J
J
A
S
O
N
D
60-89 Days Late
Unknown
30-59 Days Late
For the collection, this is from an old sprint bill – should I debt validate this? Or Contact sprint to pay in full and request a PFD? Any advice on the charged-off accounts? I’ve read many posts but decided to post my situation for a tailored response to suit my needs. Any insight is appreciated…..