I've been reading a lot of topics in this forum and I think it has come time to share my situation.
I am 23 years old and I am looking to eventually be a part of the 700+ club and fix my past mistakes.
Here is my current credit situation:
Current credit score is: 541
AMEX: $0 (closed by creditor) PAID
BARCLAYS: $1905 (closed by creditor) just finished paying garnishment for this card.
CITI BANK: $0 (closed by creditor) PAID
CAPITAL ONE SECURED: $500 w/ a $500 limit i will be paying the full amount by the end of the month
FINGERHUT: $0 w/ a $600 limit
CAPITAL ONE AUTO: $4,125.00
VICTORIAS SECRET: $0 balance w/ a $350 limit
COLLECTIONS:
COX COMMUNICATIONS CREDIT CONTROL: $145
COX COMMUNICATIONS CREDIT CONTROL: $63
PROGRESSIVE AUTO INSURANCE CAINE & WEINER COMPANY INC: $242
Should I pay my collections and ask for a PFD? I was considering using collection 360, but I think I feel like I lose control of the situation.
I also bank with Navy Federal and I would like to open a credit card with them, but I'm waiting for my scores to rise.
