What to do next....Transunion report need help!!!!

[Lvlover26]

Hey everyone, I have been following all the amazing advice on here for the past year and it has helped me tremendously. I would like to say thank you to everyone who posts here and also gives feedback as well as advice. I have taken all the information and used it to the best of my ability and I have seen results. I just want to say I appreciate it all! Now, I am posting my Transunion findings down below. I am at a loss of where to go or what I should do next to get some of these things taken off. I have asked Transunion to dispute some accounts that show opened but they are not. Also some show balances but have been paid. Other than that I need a second pair of eyes and advice on what else I can do or should do to take some of this off and help bump my transunion score. ANY advice would be much appreciated. Thank you in advance!

Creditor	Account Number	Credit/Loan Type	Opened	Condition	Current Balance	Original Balance	Last Payment	Status
Webbnk/Fhut	627645200399****	Charge	2/18/2010	Derogatory	$0	$83	9/21/2010	Unknown
Capital  One	51780582****	Credit Card	1/7/2010	Derogatory	$0	$820	9/18/2010	Collection/Charge
First Premier	517800648890****	Credit Card	6/6/2014	Open	$450	$541	6/18/2015	OK
Capital Bank	462192101051****	Credit Card	6/1/2015	Open	$464	$514	6/28/2015	OK
Capital One	51780598****	Credit Card	5/11/2010	Derogatory	$0	$550	9/18/2010	Collection/Charge
Security Financial	393**	Unsecured Loan	8/10/2007	Open	$0	$330	10/18/2007	OK
Charter Loan	83**	Unsecured Loan	8/31/2010	Derogatory	$0	$120		Collection/Charge
Rayco Loan	59**	Unsecured Loan	8/17/2010	Derogatory	$0	$120		Collection/Charge
Western Shamrock	BLO002627****	Note Loan	8/1/2010	Derogatory	$0	$518		Unknown
SFC Cent Bk	480**	Unsecured Loan	7/22/2010	Derogatory	$1,109.00	$1,380.00	8/27/2010	Collection/Charge
Rayco Loan	22	Unsecured Loan	7/9/2010	Derogatory	$0	$584		Collection/Charge
Charter Loan	80**	Unsecured Loan	7/15/2010	Derogatory	$977	$712	8/19/2010	Collection/Charge
World Financial	6840029****	Secured Loan	7/16/2010	Derogatory	$0	$990		Collection/Charge
Santander Consumer	3000012022214****	Auto Loan	6/15/2013	Open	$6,586.00	$8,149.00	6/18/2015	OK
Webbnk/FSTR	636992031200****	Installment sales contract	6/21/2015	Open	$124	$123	6/18/2015	OK
Local Finance	330	Note Loan	12/11/2008	Open	$0	$553	10/20/2008	OK
Med Data Systems	132220****	Medical	8/1/2014	Derogatory	$743	$743		9
Portfolio Recovery	512025601864****		4/1/2013	Paid	$0	$339		9
Arvest Bank	10078****	Returned Check	11/20/2012	Paid	$0	$109	3/31/2015	Collection/Charge

[Lvlover26]

Bump

[Anonymous]

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@Lvlover26 wrote:
Bump

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Pay down your  CC balances, let one report a small balance of less than 10%. Pay off the small installment loans you have, they do nothing for your score if you have an auto loan. Thats the quickest and easiest formula for a score increase.

[Anonymous]

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@Anonymous wrote:

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@Lvlover26 wrote:
Bump

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Pay down your  CC balances, let one report a small balance of less than 10%. Pay off the small installment loans you have, they do nothing for your score if you have an auto loan. Thats the quickest and easiest formula for a score increase.

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NM regarding installment loans, I see those are already paid off.

[damnedanddetermined]

Just wondering.....sp paying down cc and leaving a bal on ONE is good, but what about all the CO/CA that are from 2010 that should be falling off in a year or so...shouldnt they be left alone (let sleepings bears, sleep?) Am I correct on my thinking? Most all of mine, if not all of them are from 2010 too.

[Lvlover26]

I really want to get the derogatory accounts off my credit. I am unsure how to go about it though or if there is anything I can do such as a PFD, debt validation, or a GW.

[Anonymous]

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@Lvlover26 wrote:
I really want to get the derogatory accounts off my credit. I am unsure how to go about it though or if there is anything I can do such as a PFD, debt validation, or a GW.

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For unpaid collections, offer a PFD.

For paid items, send GW request

For collections you don't recognize, send DV

[Anonymous]

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@Lvlover26 wrote:
I really want to get the derogatory accounts off my credit. I am unsure how to go about it though or if there is anything I can do such as a PFD, debt validation, or a GW.

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I would stress though, that rehabbing your credit is more about changing your habits, establishing new accounts going forward, and maintaining perfect payment history going forward, than it is about removing old derogs.

Just about anyone can rehab their score into "good" territory in about 24 months simply by establishing sufficient revolving lines, keeping their UTI under control, maintaining perfect payment history, and settling any revolving COs that are reporting a balance from the OC.