Ok, I am no expert but here is what I got:
Collection Items
Collector FLORIDA POWER LIGHT COMPANY
Ownership Individual; Date Open 01-2008; Balance Date 03-2008; Balance Amount $123
Date of Status 03-2008; Status Account seriously past due
This I would try to PFD (pay for delete). There is a process for doing this. I believe you contact the lender and ask for a DV just to make sure they can validate the debt. Then you write then a PFD letter offering to pay for deletion. Get some advice for this from someone who has done it. Personally, I haven't done it, but understand the process.
Is this still with the power company who provided your service? If so, I guess you send them the PFD letter.
CAP ONE - Credit Card
Ownership Individual; Date Open 06-2007; Balance Date 08-2008; Balance Amount $5530 (should say $0); Monthly Pymnt $165; High/Limit $5500; Account Status Pays account as agreed; Prior Delinquency 12-2007; 30 Days Late 1 Time
CAP ONE - Credit Card, Terms REV
Ownership Individual; Date Open 06-2007; Balance Date 09-2008; Balance Amount $0; Monthly Pymnt $165; High/Limit $5500; Account Status Current account/was 30 days past due date; Prior Delinquency 12-2007; 30 Days Late 1 Time
These ones, you would write a GW letter to Cap One asking for them to remove the late. Again probably info about success with this in the rebuilding forum somewhere.
ACS/NELLIE MAE - Education Loan
Ownership Individual; Date Open 11-2001; Balance Date 05-2008; Balance Amount $17358; High/Limit $17358; Account Status Pays account as agreed; Current account/was delinquent 90 days past due date; Prior Delinquency 06-2007
Comments Student loan - payment deferred; 60 Days Late 1 Time; 90 Days Late 1 Time
This has a delinquency. Again, I guess you could GW. I've never had a US student loan, so no clue if they are willing to work with you on it, but maybe post a thread specific to this one item and someone will have advice.
ACS/SLMA/BLUEMONT FUND - Education Loan
Ownership Individual; Date Open 09-2004; Balance Date 06-2008; Balance Amount $17138; High/Limit $17138; Account Status Pays account as agreed; Current account/was delinquent 90 days past due date; Prior Delinquency 06-2007
Comments Student loan - payment deferred; 60 Days Late 1 Time; 90 Days Late 1 Time
See Above.
AFFILIATED FINANCIAL - Auto Loan
Ownership Individual; Date Open 07-2001; Balance Date 02-2007; Account Status Paid account/was a repossession; Prior Delinquency 01-2005; Comments Closed
I don't know about this one. I guess this would call for a GW, but again, you should ask specifically someone who has dealt with this type of item (I haven't). It seems kind of old, so I don't know how much damage it is doing.
I don't think I saw anything else bad, but I may have missed something. There were some closed cards and such, but I don't think you want to get any inquiries trying to reopen if you plan to get a mortgage in the near future. Other than that, I guess just keeping your debt paid down and making payments on time will increase your score.
Lastly:
THD/CBSD - Revolving Charge Account
Ownership Authorized User; Date Open 07-2006; Balance Date 08-2008; Balance Amount $1931 (should be $600); High/Limit $1900; Account Status Pays account as agreed
I won't be an authorized user on any of my husband's cards where he is carrying a balance, because it messes up my utility. The utility of that card is higher than your own personal utility so is raising yours a bit (I don't know by how much or if it's an issue for you or not). If it's not going to be paid down in the near future. I'd get myself off that card and v.v with you HD card if you husband is on it.
Message Edited by siangirl34 on
09-28-2008 05:55 PM
