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i've been working on my credit for 3 years and still no progress

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ecalmese
Regular Contributor

i've been working on my credit for 3 years and still no progress

Hello All;

 

i've been working on my credit for 3 years and i cant get a break! i just discovered this website/forum in march 2013. All of your input has been a blessing for me (sorry to get spiritual but you guys are a gift from GOD to me). i started with a 498 in 2011, now im at a 554 after working so hard. the next couple of posts will be a screen shot from my report. everything with a flag has been addressed to some extent and i can futher elaborate on that as your questions/advice comes in.

 

please help me. i had a rough patch in life; and i feel like i'm getting nowhere fast in my quest to rebuild credit.

 

thanks in advance

 


 

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Message 1 of 52
51 REPLIES 51
ecalmese
Regular Contributor

Re: i've been working on my credit for 3 years and still no progress

FICO® Score Summary

Your Equifax FICO® score:554

On April 17, 2013

 

 Credit At-A-GlanceTotal past due [?] Credit history [?] Accounts with negative indicators [?]
$7,192
past due on 3 accounts
10 Years
Total balance of  Your revolving accounts [?]Your mortgages [?]Your installment loans [?]
$412 
None 
$21,239 
Total number of  Accounts [?]Accounts with balances [?]Accounts opened in past year [?]Recent inquiries [?]Collections [?]Public Records [?]
21 
9 
3 
4 
6
0 

Red Flag = Marks an aspect of your credit that is hurting your FICO® score.

 

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Message 2 of 52
ecalmese
Regular Contributor

Re: i've been working on my credit for 3 years and still no progress

Open Accounts Accounts

Company Account number Date opened Balance Status Negative Indicator? [?]  

Credit CardChase 4/2007$311Pays account as agreedNoDetails
Credit CardCap One 3/2011$90Pays account as agreedNoDetails
Credit CardFst Premie 2/2010$7Pays account as agreedNoDetails
Credit CardFst Premie 12/2012$4Pays account as agreedNoDetails
Credit CardFst Premie 8/2007$0Pays account as agreedNoDetails
Student/Education LoanDpt Ed/SlmXXXXXXXXXXXXXXXX01303/2013$10,581Pays account as agreedNoDetails
Student/Education LoanDp Of Educ 9/2002$3,536120+ days past dueThis account has late payments in the pastDetails
Student/Education LoanSallie MaeXXXXXXXXXXXXXXXX005110/2005$3,466Pays account as agreedThis account has late payments in the pastDetails
Student/Education LoanDp Of Educ 10/2005$2,048120+ days past dueThis account has late payments in the pastDetails
Student/Education LoanDp Of Educ 8/2003$1,608120+ days past dueThis account has late payments in the pastDetails
Student/Education LoanNatl ColegXXXXXXXXXXXXX00038/2012$0Pays account as agreedNoDetails
Student/Education LoanUs Dept EdXXXXXX01219/2002$0Pays account as agreedNoDetails
Student/Education LoanUs Dept EdXXXXXX012210/2005$0Pays account as agreedNoDetails
OtherMohelaXXXXXXXXXXXXX00023/2007$0Pays account as agreedThis account has late payments in the pastDetails
OtherJeffersncp 5/2008$0120+ days past dueNoDetails
Other1Fbusa 7/2003$0Pays account as agreedNoDetails
OtherUmc StudenXXXXXXXXXXXXX100510/2005$0Pays account as agreedNoDetails
OtherNatl ColegXXXXXXXXXXXXX00021/2004$0Bad debt/collectionNoDetails
OtherNatl ColegXXXXXXXXXXXXX00017/2003$0Bad debt/collectionNoDetails
OtherCompany name is unknownXXXXXXXXXXXXX00013/2007$0Pays account as agreedThis account has late payments in the pastDetails
Vehicle LoanSantanderXXXXXXXXXXXXX100010/2007$0Pays account as agreedThis account has late payments in the pastDetails
Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Message 3 of 52
ecalmese
Regular Contributor

Re: i've been working on my credit for 3 years and still no progress

Collections

A collection is reported on your credit report when a business turns over an unpaid account to a collection agency. One collection can hurt your FICO® score and several collections can severely hurt your FICO® score.

Collection on debt to: National Colleg

The collection agency "401YC19856" was hired to collect a debt of $15,597 originally owed to "National Colleg" on account number "XXXXX".

Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Original lender [?]Account number [?]Account holder [?]
401YC19856
$15,597
$13,055
Sep, 2008
National Colleg
XXXXX
Individual
Collection on debt to: Villages Of Wyn

The collection agency "654YC12324" was hired to collect a debt of $4,354 originally owed to "Villages Of Wyn"on account number "XXXXXXX".

Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Original lender [?]Account number [?]Account holder [?]
654YC12324
$4,354
$0
Apr, 2008
Villages Of Wyn
XXXXXXX
Individual
Collection on debt to: Ameren Missouri

The collection agency "641YC00066" was hired to collect a debt of $116 originally owed to "Ameren Missouri"on account number "XXXXXX0613".

Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Original lender [?]Account number [?]Account holder [?]
641YC00066
$116
$0
Nov, 2010
Ameren Missouri
XXXXXX0613
Individual
Collection on debt to: Laclede Gas

The collection agency "654YC00121" was hired to collect a debt of $91 originally owed to "Laclede Gas" on account number "XXXXXXX".

Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Original lender [?]Account number [?]Account holder [?]Account descriptions [?]
654YC00121
$91
$0
Nov, 2010
Laclede Gas
XXXXXXX
Individual
Collection account
Collection on debt to:

The collection agency "654YC00000" was hired to collect a debt of $102 on account number "XXXXXXX".

Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Account number [?]Account holder [?]Account descriptions [?]
654YC00000
$102
$0
Oct, 2010
XXXXXXX
Individual
Medical
Collection on debt to:

The collection agency "654YC00000" was hired to collect a debt of $83 on account number "XXXXXXX".

Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Account number [?]Account holder [?]Account descriptions [?]
654YC00000
$83
$0
Aug, 2010
XXXXXXX
Individual
Medical
Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Message 4 of 52
ecalmese
Regular Contributor

Re: i've been working on my credit for 3 years and still no progress

Public Records

Public records are legal records reported on you, usually by a court of law. Adverse public records include bankruptcies, foreclosures, garnishments, and tax liens and they can severely hurt your FICO® score. Other types of public records such as divorces are not considered by your FICO® score.

You have no public records.

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Message 5 of 52
aces33
New Contributor

Re: i've been working on my credit for 3 years and still no progress

All that and you only have a 554?  Yikes.  All those bad collection from 2003 and 2004 i would personally dispute those and ask why are they still on my report. The 2008 also. I dont know what state you're in but you could be past the SOL. Those school loans..... you got some work cut out for you.

Message 6 of 52
aurelie00
Regular Contributor

Re: i've been working on my credit for 3 years and still no progress

Is Student Loan Rehab an option for you?


Starting Score: 524
Current Score: 715
Goal Score: 720


Take the myFICO Fitness Challenge


Message 7 of 52
ecalmese
Regular Contributor

Re: i've been working on my credit for 3 years and still no progress

i'm not sure what the SOL is here in Missouri. its been a long road. back in 2011 i had the help of sky blue delete some things (dont beat me up too bad that was before i knew of the glories of myfico forums). but those other accounts will not go away no matter how hard i try. The school loans were consolidated in march; they have not updated to my credit report (they seem to take their sweet time), so i have no idea if that will help out or not. The sallie mae loans that you see are actually my department of education loans consolidated. but the department of education will not update their end of the bargain. i wanted to go the rehab route but i could not afford the 9 payments they were talking (over $1,000 a month).

 

The santander loan posted 2 late payments last year which are incorrect! i've been trying for the past year to get that removed with no success. i recently went to attorney general's website to see if they could help. no response back yet.

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Message 8 of 52
ecalmese
Regular Contributor

Re: i've been working on my credit for 3 years and still no progress

Established Member
aurelie00
Posts: 31
Registered: ‎03-27-2013
 
 
Re: i've been working on my credit for 3 years and still no progress

Is Student Loan Rehab an option for you?

 

 

 

Aurelie00; 

 

sorry for the copy and paste. im so new idk how to quote any other way. i could not afford the rehab program because they were talking 9 payments of over $1,000 each. so i started the consolidation program back in january. it was completed in march, thats why you see 2 sallie mae loans on the report. however the department of education and the missouri higher education did not update their info on my report. once that update is made i'm not sure how this will or if it will effect my score?

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Message 9 of 52
ando35
Frequent Contributor

Re: i've been working on my credit for 3 years and still no progress

Maybe because it is unresolved? It seems like you owe a lot with no BK or something releasing it?

Message 10 of 52
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