Looking for a boost, help!

Mar 012011
 

So here’s a breakdown of my credit account/payment history:

 

Open accounts:

Chase CC – $500 Limit – $0 Current Balance – Opened 6/2003 (30D lates, Jan 2006, Sep 2005)

CapitalONE CC – $1200 Limit – $0 Current Balance – Opened 3/2002 (30D late, Jan 2006, 60D late, Feb 2006)

Personal Loan – $2500 Original Disbursment – $1660 Current Payoff – Opened 5/2010 (Never late)

Auto Loan – $11735 Original Disbursment – $9211 Current Payoff – Opened 5/2010 (Never late)

US Dept. of Education – $63179 Original Disbursement – $63100 Current Payoff – Opened 1/2011 (Never late, have made 1 payment)

SallieMae Student Loan 1 – $9642 Original Disbursment – $13674 Current Payoff – Opened 11/2001 (Never late)

SallieMae Student Loan 2 – $7700 Original Disbursment – $12759 Current Payoff – Opened 10/2000 (Never late)

AES Student Loan 1 – $7734 Original Disbursment – $9581 Current Payoff – Opened 5/2010 (60D late, Sep 2006, 90D Oct 2006)

AES Student Loan 2 – $3351 Original Disbursment – $3498 Current Payoff – Opened 1/2006 (30D late, Jan 2007)

WellsFargo Student Loan – $5400 Original Disbursment – $6289 Current Payoff – Opened 2/2000 (30D lates, Jan 2009, Mar 2007)

Iowa Student Loan Loan – $5755 Original Disbursment – $4867 Current Payoff – Opened 10/2002 (30D lates, Mar 2009, Jan 2009, 90D late, Jun 2006)

 

Closed Accounts:

Key Bank Credit Line – $500 Limit – Opened Jun 2004 – Closed Aug 2007 – (Never late)

Personal Loan – $2368 Original Disbursement – Opened Jul 2008 – Closed Jan 2009 – (Never late)

Personal Loan – $2700 Original Disbursement – Opened Apr 2004 – Closed Apr 2006 – (30D lates, Apr 2006, Feb 2006, Sep 2005, Aug 2005, Jul 2005, Jun 2005, 60D lates, May 2006, Nov 2005, Oct 2005, 90+D lates, Sep 2006, Aug 2006, Jul 2006, Jun 2006, Dec 2005)  This account ended up in small claims court, which is the judgement listed below.  Yes, I was going through a very tough time financially…

Iowa Student Loan – $12232 Original Disbursement – Opened Dec 2004 – Closed Jan 2011 – (Never late, consolidated this loan into the US Dept. of Ed. loan listed above)

Best Buy CC – $1200 Limit – Opened May 2003 – Closed Aug 2008 – (30D lates, Apr 2008, Aug 2007, 60D late, Feb 2006)

Snowmobile Loan – $6240 Original Disbursement – Opened Nov 2007 – Closed Jul 2009 – (Never late)

Boat Loan – $2000 Original Disbursement – Opened Apr 2009 – Closed May 2009 – (Never late)

Auto Loan – $5646 Original Disbursement – Opened Jan 2009 – Closed Apr 2010 – (Never late)

Auto Loan – $2950 Original Disbursement – Opened Jun 2009 – Closed Jan 2010 – (Never late)

Auto Loan – $18917 Original Disbursement – Opened Mar 2005 – Closed Mar 2008 – (30D lates, Jul 2007, Jun 2007, Jan 2007, Dec 2006, Jul 2006, Apr 2006)

Auto Loan – $8450 Original Disbursement – Opened Apr 2004 – Closed Mar 2005 – (Never late)

Auto Loan – $5300 Original Disbursement – Opened Aug 2003 – Closed Apr 2004 – (Never late)

 

Collections:

Home Properties – Assigned 9/2006 for $803 – PIF as of 8/2008

Time Warner Cable – Assigned 9/2006 for $350 – PIF as of 8/2008

 

Public Record:

Paid Civil Judgment – $547 – Filed 7/2006 – PIF 8/2008 (Reference $2700 Personal Loan above for more info.)

 

My current FICO’s (pulled here) are TU675, EQ681 and EX661 (pulled in January by a lender).

 

So now that you are aware of my credit report info. how do you think I can break the 700 point mark?  Just time?  I’ve already tried GW letters for ALL the baddies with absolutely no luck.

Need help with removal letter of the following.

Nov 012010
 

Creditor Name:    I C SYSTEM
Account No.:     2857250****
Original Creditor:     11 AT T CINGULAR WIRELESS
Responsibility:
Condition:     Paid
Original Balance:     $339
Balance:     $0
Date Opened:     10/01/2009
Date Reported:     02/14/2010

 

==============================

Account No.:      54063300****             
Condition:     Closed (Paid)           
Balance:     $0           
Type:     Credit Card           
Pay Status:     Current           
Past Due:     $0           
High Balance:     $399           
Terms:               
Limit:     $300           
Payment:                 
Opened:     07/23/2004           
Reported:     04/30/2005           
Responsibility:     Individual

 

==========================

 

Account No.:      54063300****      540633000934****       33000934****
-     Condition:     Closed (Paid)     Closed (Transferred)     Derogatory
-     Balance:     $0           $0
-     Type:     Credit Card     Credit Card     
-     Pay Status:     Collection/Chargeoff     Collection/Chargeoff     Collection/Chargeoff
-     Past Due:     $0           
-     High Balance:     $640           $672
-     Terms:             
-     Limit:     $0     $0     
-     Payment:                 $0
-     Opened:     07/23/2004     07/2004     07/2004
-     Reported:     01/31/2007     01/31/2007     02/2010
-     Responsibility:     Individual     Individual     Individual

 

Advice Needed Closing First Premier Bank

Oct 202010
 

I currently have the following cards:

 

First Premier:     200 Opened    10/2005

First Premier:     300 Opened    07/2006

Capital One:       750 Opened    06/2008

Credit One:         650 Opened    05/2008

Orchard Bank:    320 Opened    07/2008

Best Buy RZMC: 500 Opened    10/2010

VS Angel Card:   350 Opened    10/2010

Macy’s:               1000 Opened    08/2006

 

I desperately want to close both of my First Premier accounts, but unfortunately as you can see they are my oldest.

What should I do?

trying to figure out dates of deletions

Oct 062010
 

I have two accounts I am trying to figure dates of deletions for they are not listed on my report:

 

Plains Commerce Bank

date opened: 9/2004

Reported since: 8/2005

Date of status: 2/2008

last reported: 2/2008

 

Charge off as Jan 2008, Sept 2005, Aug 2005

 

 

 

Continential Finance

Date Opened: 6/2007

Reported Since: 5/2007

Date of Status: 2/2008

Last reported: 2/2008

 

Charge Off as of Nov 2007 to jan 2008

90 days past due as of oct 2007

60 days past due as of Sept 2007

30days past due as of Aug 2007, July 2007

 

thank you to anyone who can help me:)

Trying to figure out DOLA…

Sep 072010
 

Date Opened:
05/2004
Date of Status:
07/2007
Reported Since:
05/2004
Last Reported Date:
09/2010
Type:
Revolving
Terms:
N/A 
Monthly Payment:
$0
Responsibility:
Individual 
Credit Limit:
N/A
High Balance:
$5,144 
Recent Balance:
$5,144
Recent Payment:
$0

 

 

This is a charged off Cap1 acct. I believe my DOLA is Oct 06 which would mean next month it would reach SOL in my state. 

 

This is what is reported on my EX report.  What would my DOLA activity be?

New Guy – Rebuilding Process – Welcoming Recommendations

Jul 082010
 

Hello everyone! I have been lurking for a few days and wanted to become apart of this great community. I have been in the process of rebuilding my credit ever since I got my secured credit card. Before I found this account I paid off two collections. The two in the middle that you see below. I regrettably did not know about PFD agreements. 

 

I have an applied bank secured card with 750 credit limit. I have had the card for 1 year 6 months now and have never been late or missed any payments. 

 

I currently have about 8-10 inquires and about half of these are set to fall off in the next 4 months.

 

My current plan:

 

 

  • Sending a PFD agreement to the first collection that you see for 102. 
  • Sent a GW letter to Comcast through the main website contact form. The reason I did this was because it was less than 4 months late and I paid Comcast, not the ca. No response yet.
  • For the two collections I PIF’ed, I was thinking of sending GW letters first before I tried the Hipaa process. Should I try Hipaa before I send any GW letters for those two?
  • I am also looking to get another secured credit card. It has been difficult for me to make a final decision. I have considered WF, US bank, Cap one, and BoA. I am leaning towards Cap one. However, I did find a couple on this forum that do not have secured. What secured card should i go with?

 

 

 

 

 

NATIONWD REC

 

 

TransUnion

Experian

Equifax

  Original Creditor:

MED1 NAPLES EMERGENCY PHYSICIANS 

NAPLES EMERGENCY PHYSICIANS 

 

  Account #:

 

 

 

  High Balance:

102 

102 

 

  Date Opened:

04/17/2008 

04/01/2008 

 

  Date Reported:

07/18/2008 

07/18/2008 

 

  Balance:

102 

102 

 

  Condition:

07/18/2008 

07/01/2008 

 

  Responsibility:

Individual 

Individual 

 

  Remarks:

 

**CONSUMER STATEMENT** THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. 

 

 

 

 

 

 

 

MERCHANTSCOL

  

 

 

TransUnion

Experian

Equifax

  Original Creditor:

MED1 02 POELTL ROUGRAFF MD PA 

 

 

  Account #:

 

 

 

  High Balance:

50 

 

50 

  Date Opened:

06/23/2008 

 

06/01/2008 

  Date Reported:

05/27/2010 

 

06/01/2010 

  Balance:

0 

 

0 

  Condition:

03/02/2010 

 

06/01/2010 

  Responsibility:

Individual 

 

Individual 

  Remarks:

 

 

 

 

 

 

 

 

 

GULF CST COL

  

 

 

TransUnion

Experian

Equifax

  Original Creditor:

MED1 02  

NAPLES Med 

 

  Account #:

 

 

 

  High Balance:

117 

117 

117 

  Date Opened:

09/12/2009 

09/01/2009 

09/01/2009 

  Date Reported:

04/01/2010 

04/01/2010 

04/01/2010 

  Balance:

0 

0 

0 

  Condition:

03/01/2010 

04/01/2010 

04/01/2010 

  Responsibility:

Individual 

Individual 

Individual 

  Remarks:

 

 

 

 

 

 

 

 

 

CRD PRT ASSO

  

 

 

TransUnion

Experian

Equifax

  Original Creditor:

COMCAST FORMERLY TIME WARNER 

COMCAST FORMERLY TIME WARNER 

COMCAST FORMERL 

  Account #:

 

 

 

  High Balance:

321 

321 

321 

  Date Opened:

05/15/2007 

05/01/2007 

05/01/2007 

  Date Reported:

09/30/2007 

09/30/2007 

09/01/2007 

  Balance:

0 

0 

0 

  Condition:

09/30/2007 

09/01/2007 

09/01/2007 

  Responsibility:

Individual 

Individual 

Individual 

  Remarks:

 

 

 

 

 

 

 

 

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