I need some advice on what to do here. My EQ score is horrible under 469 loss like everything is on this one. EX 547 not sure about TR. I know my student loan being in collections I see killing my score and the balance is super high. I can't get it out of default either. My charge offs are set to fall off next year so I'm not sure if I should bother them or not. I would like to rectify Macys if it possible.
Should I open a secured card?? After I pay off my car in October I won't be paying on anything. I do need to buy new furniture and the Babcock furniture is already on my EQ report for $1250 limit. Should I just get furniture. I also have a crown jewelers account listed on EQ that I no longer use..Should I buy something small from them. I just won't have any trade lines after my car is paid off in 3 months. I have no more than 3 hard inquires right now. Please help
CHARGEOFF
Capital one CO currently reporting to all 3 expected removal 9-2015. Charge off $954 balance $1892 opened 12-2007 balance date 7-2014
Capital one CO currently reporting to all 3 expected removal 12-2015. Charge off $1233 balance $2043
Opened 2-2008 balance dare 7-2014
First Premier CO currently reporting to all 3 expected removal 9-2015. Charge off $410.
Opened 10-2007 balance date 9-2012
Macys CO currently reporting to all 3 expected removal 5-2015. Charge off $410.
Date opened 10-2007 balance sate 1-2009
COLLECTIONS
Comcast cable (dispute) don't owe them reporting on Ex and EQ $48
Direct TV Ex and EQ for $54
Labcorp there are 2 bills both on EQ $10 and $33
Cosigner on car loan santander for mother $14942 current with 30 late ( really want to come off this loan) EQ EX TR
Cosigner on title pawn for mother $1533 this as is a refinance from a previous loan that is also listed (can this be deleted since a new loan replaced this) won't to rid myself from this loan too EQ
Santander car loan $2006 balance from $24255 6 pages showing EQ EX TR
Babcock furniture limit $1250 $0 balance opened 2010 last date 11-2011 1 late
Secured cards closed by lender
Midsouth credit union $400 from 2007
Orchard bank $200 from 2007
