Hi I am just starting to take control of my credit was hoping I could get direction on how to attack my issues. Here are the details of my credit reports
Experian: Score 580
2 Credit cards payments are on time and 15% Utilization Rate
1 Auto Loan with three late payments 30 days, 30 days and 60 days late
1 Bank Charge off, credit card $5,000 its 7 years 1 month old but still hasnt been removed from my account
5 Credit Card inquires 1 Loan Inquiry.
Equifax: Score 547
2 Credit Cards Payments are on time 15% Utilization rate
1 Auto Loan 2 Late payments 30 Day, 60 Days
6 Credit Inquires (Car loans, Credit Cards, Loan)
2 Credit cards Payments on time 15% Utilization Rate
1 Auto Loan 60 Days Late
3 Collections Medical Bills for a small amount ($148, $137, $60)
3 Inquires Credit Card, and an Auto Loan
Any advice would be appreciated on where to start and how to get rid of all the negative reports as best as I can.
I was planning to add some trade lines and possibly dispute the collections, late payments, Inquires. What do you guys think? and is this something I can do on my own or should I hire someone?
Thanks in advance