No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
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
FICO® Score Summary
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 | 7 |
$412 | |
None | |
$21,239 |
21 | |
9 | |
3 | |
4 | |
6 | |
0 |
= Marks an aspect of your credit that is hurting your FICO® score.
Accounts
Company Account number Date opened Balance Status Negative Indicator? [?]
Chase | 4/2007 | $311 | Pays account as agreed | No | Details | |
Cap One | 3/2011 | $90 | Pays account as agreed | No | Details | |
Fst Premie | 2/2010 | $7 | Pays account as agreed | No | Details | |
Fst Premie | 12/2012 | $4 | Pays account as agreed | No | Details | |
Fst Premie | 8/2007 | $0 | Pays account as agreed | No | Details | |
Dpt Ed/Slm | XXXXXXXXXXXXXXXX0130 | 3/2013 | $10,581 | Pays account as agreed | No | Details |
Dp Of Educ | 9/2002 | $3,536 | 120+ days past due | Details | ||
Sallie Mae | XXXXXXXXXXXXXXXX0051 | 10/2005 | $3,466 | Pays account as agreed | Details | |
Dp Of Educ | 10/2005 | $2,048 | 120+ days past due | Details | ||
Dp Of Educ | 8/2003 | $1,608 | 120+ days past due | Details | ||
Natl Coleg | XXXXXXXXXXXXX0003 | 8/2012 | $0 | Pays account as agreed | No | Details |
Us Dept Ed | XXXXXX0121 | 9/2002 | $0 | Pays account as agreed | No | Details |
Us Dept Ed | XXXXXX0122 | 10/2005 | $0 | Pays account as agreed | No | Details |
Mohela | XXXXXXXXXXXXX0002 | 3/2007 | $0 | Pays account as agreed | Details | |
Jeffersncp | 5/2008 | $0 | 120+ days past due | No | Details | |
1Fbusa | 7/2003 | $0 | Pays account as agreed | No | Details | |
Umc Studen | XXXXXXXXXXXXX1005 | 10/2005 | $0 | Pays account as agreed | No | Details |
Natl Coleg | XXXXXXXXXXXXX0002 | 1/2004 | $0 | Bad debt/collection | No | Details |
Natl Coleg | XXXXXXXXXXXXX0001 | 7/2003 | $0 | Bad debt/collection | No | Details |
Company name is unknown | XXXXXXXXXXXXX0001 | 3/2007 | $0 | Pays account as agreed | Details | |
Santander | XXXXXXXXXXXXX1000 | 10/2007 | $0 | Pays account as agreed | Details |
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.
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 |
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 |
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 |
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 |
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 |
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 |
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.
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.
Is Student Loan Rehab an option for you?
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.
05-07-2013 11:52 AM
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?
Maybe because it is unresolved? It seems like you owe a lot with no BK or something releasing it?