Old Credit

[Junejer]

Hi sexxirn, nice to see you back after to this thread. Good news is the judgment should be gone this summer.

Are these the balances of the CCs currently. Also, what is the CLs on those cards? Are you looking for a score increase for any reason in particular?

[Anonymous]

Yes sir, several reasons.

1. To buy a house

2. Prove I can do it

3. To get my secret clearance

4. To feel alot better about myself

[RobertEG]

I would send them ONLY a cease and desist letter under FDCPA 805(c). That will require them to cease communiction with you.  I would not talk to them or address any other issues with them now.

They cannot post to your CR since it is clearly beyond 7 1/2 years from DOFD.,  While they can still sue for the debt, if your state SOL has expired, they cannot win in court, so just wait for them to sue (which they wont), and if they do, show in court and ask for dismissal based on expiration of the SOL.

They are a joke, pure and simple.  Just require that they cease and desist in bothering you in their fruitless endeavor.

[Junejer]

Okay, let's see if we can help you improve those scores. What are the credit limits on the CCs? What are the current balances on those CCs?

Example: CC1 293/300
CC2 354/500

[Anonymous]

First Premier limit 350 balance 333 9.9%

First Premier limit 300 balance 267 14.90%

HSBC           limit 300 balance 293 25.675

Credit One bank    350 balance 347.29.9%

Credit Union Visa 1500 balance 1440 12.9 %

The first 4 are for people trying to repair credit. 

[marty56]

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@Anonymous wrote:

First Premier limit 350 balance 333 9.9%

First Premier limit 300 balance 267 14.90%

HSBC           limit 300 balance 293 25.675

Credit One bank    350 balance 347.29.9%

Credit Union Visa 1500 balance 1440 12.9 %

The first 4 are for people trying to repair credit. 

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1st Pay down the CU card to 9% or less if you can.

2nd PIF the 4 other cards.

Since all your cards are maxed out, doing this might gain you 100 points.  I would protect your CU card since its probably your best one.

[marty56]

IMHO as long as you are moving foward in your credit building you should have no problem getting a Secret clearance.

[Junejer]

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sexxirn wrote:

First Premier limit 350 balance 333 9.9%

First Premier limit 300 balance 267 14.90%

HSBC           limit 300 balance 293 25.675

Credit One bank    350 balance 347.29.9%

Credit Union Visa 1500 balance 1440 12.9 %

The first 4 are for people trying to repair credit. 

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Your util is 96%, which equals maxed.  Pay those rebuilder cards to $0, after getting the CU visa down to a manageable amount.  I also wouldn't use those other cards, more than every few months for a very small purchase that you can PIF right away.  I'm with Marty, I would bet on 80-100 points by following that plan.