Time to Be An Adult..... Desperately Need Credit Help

[donkort]

I sense that it is just "time."  And on-time payments on accounts that report to the credit bureaus.

Apartment rentals, utility/cable accounts are not included in a person's score--though if you default on a cable account, that might be reported.  

If you're evicted, it's not (yet) reported to the credit bureaus.

Experian has a service called "Boost"--where you might be able to raise your score by demonstrating you have been paying rent/utilities on time for at least a couple of years.

[Anonymous]

@Anonymous have you gotten your free comprehensive reports from www.annualcreditreport.com in the last twelve months? If not, you can get them for feee there. They're much more thorough than what CK can show you and will include all of this information, accurate to the date you pull them. If you start there, you'll be able to get everything you need that will allow us to move forward in helping you plan your strategy for rebuilding.

[Anonymous]

I will go ahead and pull it now! Thanks guys! You all have been so kind to me, it's much appreciated! Taking this on alone as a female with 40 other responsibilities is a daunting. 

[Anonymous]

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@Anonymous wrote:

I will go ahead and pull it now! Thanks guys! You all have been so kind to me, it's much appreciated! Taking this on alone as a female with 40 other responsibilities is a daunting. 

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You're welcome and you're here so you definitely are not taking it on alone. A whole bunch of us have your back and will help you sort it out and get you back on track. You'll see just how much of a gem this site can be

[Anonymous]

Ok phew! Took me a hot minute to get this info to you guys! Please let me know what I am missing, opposing credit reports have opposing info - I tried to kinda collect them all together for this:

Second Round Collections (2 accounts) CC Collections:
Date Opened: 06/24/2019
Balance: $2050 Past Due as of Aug. 2019
On Record Until: Sep 2025

2nd Account:
Date Opened: 12/03/2019
Balance: $899 past due as of December 2019.
On Record Until: Dec 2025

------------------------------------------------------------------

Credit Collection Services I
Date Opened: 09/23/2019
Balance: $253
Past Due: $253 as of 02/2020.
First Report: 12/2019
Terms: 1 month

Credit Collections SVCS I
Date Opened: 10/07/2019
Balance: $142 (Past Due)
First Reported: 12/2019
Terms: 1 month

Credit Collection SVCS I
Date Opened: 11/11/2019
Balance: $140 (Past Due)
First Reported: 01/2020
Terms: 1 month

The Bureaus Inc. - FROM: COMENITY BANK
Date Opened: 11/14/2019
Date of 1st Delinquency: 05/04/2019
Status: $578 Past Due Feb. 2020
Balance: $578
Original Balance: $579 (?)
On Record Until Feb 2026
First Reported 12/2019

Calvary Portfolio Services - From: CITIBANK
Date Reported: 02/23/2020
Date Assigned: 12/27/2019
Date of 1st Delinquency: 06/07/2019
Balance: $1550

Grant & Weber Collections
Date Opened: 12/19/2013
Balance: $272
Original Balance: $200
Terms: 1 month
On Record Until: May 2020
First Reported: 02/2014

-----------------------------------------------
Credit Cards (trying to match them with above, if they aren't above, then they may just be sitting at charge offs and not in collections? I don't know if those are oxymorons to say. I'm sorry I'm bad at this.)
Amazon/Synchrony CC
Account Opened: 03/03/2014
Status: Account C/O. $581 written off.
$344 Past Due as of Jan. 2020.
Date of 1st Delinq: 04/2019
Date of Major Delinq: 10/2019
Credit Limit: $330
Highest Balance: $672
Charge off Amount: $581
On Record Until: Feb 2026

Belk/Synchrony (Nothing Owed, Good Standing)
Status: Paid. Never Late. Closed.
Credit Limit: $500
Highest Balance: $136
Open from April 2017 - April 2018

Target CC/TD Bank USA
Status: C/O; $1,109 written off.
First Past Due as of May 2019
Date of Major Delinq.: Says N/A
Credit Limit: $800
Highest/Charged Off Balance: $1109
Opened: 07/16/2014
Closed: 08/2019
Activity Designator: Closed (I don't know if it is in collections or what is going on)

JPMCB Card (Chase Card)
Date Opened: 10/05/2015
Date of 1st Delinq.: 12/2018
Date of Major: 06/2019
Credit Limit: $2000
Charge off Amount: $2481
Close/CO in June 2019, last payment was in Oct. 2018.
Activity Designator: Closed

Kohl's CC/Ind.
Last Payment: 08/2019
Date Opened: 06/06/2017
Last payment was in 08/2019, 150 days past due when C/O.
Balance: $360 //
Limit: $300
Date of 1st Delinq: 05/2019
Date of Major: 12/2019
On Record Until: 2026

HotTopic/Comenity
Date Opened: 01/26/2016
Date of 1st Delinq.: 05/2019
Date of Major Delinq.: 11/2019
Status: Sold/Transfer
Credit Limit: $250
C/O Amount: $578

VictoriaSecret/Comenity
Date Opened: 12/21/2016
Date of 1st Delinq.: 03/2019
Date of Major Delinq.: 09/2019
Status: Transfer/Sold
Credit Limit: $550
C/O Amount: $899

ULTA/ComenityCapital
Date Opened: 01/19/2018
Date of 1st Delinq: 12/2018
Date of Major Delinq: 06/2019
Credit Limit: $1500
C/O Amount: $2050
Status: Transfer/Sold

---------------------------------------------------------------------------------
Medical Collections:
IC System:
Date Opened: 04/17/2019
Status: $1180 Past Due as of 02/2020
First Reported: 09/2019

IC System:
Date Opened: 04/17/2019
Status: $67 Past Due as of 02/2020
First Reported: 09/2019

Medical Data Systems
Status: PAID/CLOSED
Date Opened: 09/11/2016
Status Updated: 01/14/2018
First Reported: 12/2016

Amerifinancial Sol. - Wake ER
Amount Owed: $570
Date of 1st Delinq.: 12/19/2018
Next Balance Due: 01/25/2020
(Duplicate Accts - there are two of these!!)

Amerifinancial Sol. - MEDFAST Urgent Care
Amount Owed: $168
Date of 1st Delinq.: 06/07/2019

CCS Collections (3 accounts) - LABCORP (no last payments)
Amount Owed: $140
Date of 1st Delinq. 03/23/2018
------------
Amount Owed: $142
Date of 1st Delinq.: 04/25/2018
------------
Amount Owed: $253
Date of 1st Delinq.: 01/18/2019

Please let me know your reccomendations,  I super appreciate it everyone! Also any info on secured CC or anything else that would be good - I feel like I have about $500 to put towards these a month. 

[donkort]

I will tell you this:  there is definitely hope for you.  You are already over 580, even with what's in your credit report.  580 is definitely a milestone. 

You have a good amount of medical debt---so that's good news.

You have some accounts that are getting close to 7 years from the Date of First Deliquency---so that's good news. 

If you know how much money you have "in hand," that would be good. 

Other folks here will know more than I do about the specific companies which are the "collectors."  Some will "pay for deletion," meaning they will delete the collection off your credit report upon you paying them.  Others won't. 

The philosophy here, for the most part, is that paid collections and charge-offs are better than nonpaid collections and charge-offs.

I forgot to ask:  Did you get your scores from MyFico or Experian-----or from Credit Karma/Credit Sesame (which gives "Vantage Scores" which are not FICO scores).

[Anonymous]

I got my credit report from all three, that's where the prior info came from! I have about $5-800 to spend a month on these at best.  

[donkort]

$500-800/month is not too bad.

I hope some extremely knowledgeable people will chime in.

[Red1Blue]

It will help you a lot to prepare an excel worksheet with the balance and proposed settlement and propsed dates. This will help you visualize the status. You can also request a payment plan with some of the creditors / Collection Agencies. That is my suggestion. I have prepared my self a worksheet with amounts and dates for next 6-8 months with a plan of action.

[Anonymous]

Any game plan on the order to start? Every website has conflicting info/plans.