katielogan wrote:
I have been reading the boards for quite a while and have managed to bring my scores up with repair. I would love some input/sugggestions on my situation...Filed Ch 13 in 2004 but moved to Florida a year later and converted it to a Chapter 7 which was discharged in January 2006. Both are listed on my credit report which I believe is the way it is supposed to be.
I am clueless about BK, but you may ask that question over on the BK forum to get a better answer.
I have a student loan in good standing and a car loan which has had 3 90-day lates but has been current for the past six months. Car is financed at 24%. I know that is horrible but, at the time, it was all I could get.
When did the 3-90 day lates occur? There are no 30/60 day lates, just 3-90 day lates? You want to try to get those GW off. They are severe and will hurt much longer than a 30 day late would.
Also have a charged off First Premier Credit Card showing a balance of $502 from 3/06
Is FP the only one reporting? I assume they still own since it shows a balance. If you can PIF, lump sum payment, then I would try to contact them about a GW removal of the negative parts of the account(lates and CO notation). I wouldn't ask for the removal of the entire account unless you have more accounts that old or older. It could hurt your history. As long as the card is showing a balance, it is likely being counted in util, so the biggest sting from the account could be coming from the util. Simply paying it would fix that.
and a collection to Certegy for $35 from 11/04,
DV and then PFD.
WFNNB/Ann Taylor included in bankruptcy showing $0 balance and HSBC Orchard showing $0 balance also included in bankruptcy. I went back to school two years ago and finished a bachelor's degree in May. My income is now higher than ever but I am dealing with the ghosts of the past. I did join Navy Federal Credit Union so I am trying to get my Equifax score up to around 600 to qualify for either a new car loan, credit card or both. Where do I go from here? I don't anticipate any more late payments on the car and the student loan is perfect. Should I pay the Certegy? First Premier will not budge with PFD or rehabilitate the account.
Didn't read this far ahead and see that you have tried PFD with FP. If you can't get them to do anything, I would go ahead and at least pay for the util reason listed above.
Should I pay them in full and be done with it? What else can I do to raise my score?
Besides the student loan and car loan, do you have anything else on your report? Any other positive items? Maybe try a secured CC. Everyone highly recommends BoA's.
My current Equifax score is 538. Any advice would be greatly appreciated. Thanks.
Message Edited by katielogan on 10-24-2008 01:33 PM
