Here's my CR , please assist veteran ppls~

[seeva5]

Hi, my Im new to this site and it says i should post.

Heres my credit report:

Account Name: ALLIED INTERSTATE INC

Account Number: 19151XXXX

Acct Type: Collection Department / Agency / Attorney

Acct Status: Closed

Monthly Payment:

Date Open: 6/1/2006

Balance: $69.00

Terms: 1 Month

High Balance:

Limit:

Past Due: $69.00

Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Comments:

Account Name: BANK OF AMERICA

Account Number: 9XXX

Acct Type: Credit Card - Revolving Terms

Acct Status: Closed

Monthly Payment:

Date Open: 2/1/2002

Balance:

Terms: Revolving

High Balance:

Limit: $2,000.00

Past Due:

Payment Status: Account transferred to another office

Comments: Transferred to another lender or claim purchased

Account Name: CAP ONE BK

Account Number: 41217416XXXX

Acct Type: Credit Card - Revolving Terms

Acct Status: Closed

Monthly Payment:

Date Open: 11/1/1999

Balance:

Terms: Revolving

High Balance: $399.00

Limit:

Past Due:

Payment Status: Paid satisfactorily

Comments: Credit line closed-consumer request-reported by subscriber

Account Name: CBCS

Account Number: 4871XXXX

Acct Type: Collection Department / Agency / Attorney

Acct Status: Closed

Monthly Payment:

Date Open: 8/1/2007

Balance: $312.00

Terms: 1 Month

High Balance:

Limit:

Past Due: $312.00

Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Comments:

Account Name: CFC DEFICIENCY RECOVER

Account Number: 101070XXXX

Acct Type: Auto Loan

Acct Status: Closed

Monthly Payment:

Date Open: 2/1/2004

Balance: $2,882.00

Terms: 1 Month

High Balance:

Limit:

Past Due:

Payment Status: Charge-off

Comments:

Account Name: CHRYSLER FINANCIAL

Account Number: 101070XXXX

Acct Type: Auto Loan

Acct Status: Closed

Monthly Payment:

Date Open: 2/1/2004

Balance:

Terms: 60 Months

High Balance:

Limit:

Past Due:

Payment Status: Charge-off

Comments:

Account Name: HSBC/BSBUY

Account Number: 19XXXX

Acct Type: Revolving Charge Account

Acct Status: Closed

Monthly Payment:

Date Open: 11/1/2001

Balance: $0.00

Terms: Revolving

High Balance: $425.00

Limit: $425.00

Past Due:

Payment Status: Current

Comments: Credit line closed-consumer request-reported by subscriber

Account Name: HUDSON & KEYSE LLC

Account Number: 6225XXXX

Acct Type: Collection Department / Agency / Attorney

Acct Status: Closed

Monthly Payment:

Date Open: 8/1/2007

Balance: $3,645.00

Terms: 1 Month

High Balance:

Limit:

Past Due: $3,645.00

Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Comments:

Account Name: IMAGINE/FBOFD

Account Number: 518284000296XXXX

Acct Type: Credit Card - Revolving Terms

Acct Status: Open

Monthly Payment: $30.00

Date Open: 11/1/2006

Balance: $347.00

Terms: Revolving

High Balance: $401.00

Limit: $400.00

Past Due:

Payment Status: Current, was past due 30 days two times

Comments:

Account Name: JEFFERSON CAPITAL SYST

Account Number: 022185XXXX

Acct Type: Unknown - Credit Extension, Review, Or Collection

Acct Status: Closed

Monthly Payment:

Date Open: 10/1/2005

Balance: $1,883.00

Terms: 1 Month

High Balance:

Limit:

Past Due: $1,883.00

Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Comments:

Account Name: MIDLAND CREDIT MGMT

Account Number: 851446XXXX

Acct Type: Unknown - Credit Extension, Review, Or Collection

Acct Status: Closed

Monthly Payment:

Date Open: 12/1/2005

Balance: $2,451.00

Terms: 1 Month

High Balance:

Limit:

Past Due: $2,451.00

Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

Comments:

Account Name: TARGET NB

Account Number: 435237340386XXXX

Acct Type: Credit Card - Revolving Terms

Acct Status: Closed

Monthly Payment:

Date Open: 12/1/2001

Balance:

Terms: Revolving

High Balance: $680.00

Limit: $2,000.00

Past Due:

Payment Status: Paid, was past due 30 days

Comments: Credit line closed-consumer request-reported by subscriber

Account Name: WACHOVIA EDUCATION FIN

Account Number: 3979XXXX

Acct Type: Education Loan

Acct Status: Open

Monthly Payment:

Date Open: 5/1/2007

Balance: $2,000.00

Terms: Unknown

High Balance:

Limit:

Past Due:

Payment Status: Current

Comments: Student loan - payment deferred

Account Name: WACHOVIA EDUCATION FIN

Account Number: 3748XXXX

Acct Type: Education Loan

Acct Status: Open

Monthly Payment:

Date Open: 1/1/2007

Balance: $1,288.00

Terms: Unknown

High Balance:

Limit:

Past Due:

Payment Status: Current

Comments: Student loan - payment deferred

Account Name: WACHOVIA EDUCATION FIN

Account Number: 3694XXXX

Acct Type: Education Loan

Acct Status: Open

Monthly Payment:

Date Open: 10/1/2006

Balance: $2,625.00

Terms: Unknown

High Balance:

Limit:

Past Due:

Payment Status: Current

Comments: Student loan - payment deferred

Account Name: WACHOVIA EDUCATION FIN

Account Number: 4331XXXX

Acct Type: Education Loan

Acct Status: Open

Monthly Payment:

Date Open: 9/1/2007

Balance: $2,141.00

Terms: Unknown

High Balance:

Limit:

Past Due:

Payment Status: Current

Comments: Student loan - payment deferred

Account Name: WASH MUTUAL/PROVIDIAN

Account Number: 240075XXXX

Acct Type: Credit Card - Revolving Terms

Acct Status: Closed

Monthly Payment:

Date Open: 3/1/2001

Balance:

Terms: Revolving

High Balance: $950.00

Limit: $800.00

Past Due:

Payment Status: Paid, was past due 60 days

Comments: Credit line closed-consumer request-reported by subscriber

port.

Your PLUS Score is: 514 on a scale of 330 - 830.

Your Credit Category is: Very poor

So can anyone see a way i can clean this up? I have 10 negs , including 2 i already paid off (Target and Providian)

[conner]

First I suggest you read read read and do searches on all of your creditors and situations and Im sure that you will find that there are many other cases like yours out there.

You need to determine which accounts are most important, more beneficial and more detremental to your credit report.

I would start with trying to keep anything that hasn't already reached collections from getting there.

I wish you the best of luck and welcome to the forum! It has been a great help for me as it has for several other people. We have all had to work very hard for our proress and I dont doubt that you are going to have to work hard too.

Good luck!

[YoUrFrIeNdMiKe]

yes your credit is going to be a-ok those negs will drop like flies. where in fla are you at? i am in psl.

[jetscarbie]

ALLIED INTERSTATE INC

HUDSON & KEYSE LLC

JEFFERSON CAPITAL SYST

MIDLAND CREDIT MGMT

Who's the original creditors on these account?

First off, I would start disputing all my Old address and error information like name variations and such off my credit report.

Then I would definitely dispute all of the above I've listed. All these companies are scum and I would want to see some debt validation for the debts they are claiming I owe them. I would send all these companies a Validate Debt Letter by CMRRR. As soon as you get the green card back....I would dispute these with the Credit Bureaus.

Search this site for all these companies.

Keep good papertrails of everything you do. Make sure you keep anything that is not in collection...out of collection.

This is just my advice.

[razr]

You're seriously f$%cked.

Just kidding. I know it seems a little overwhelming, but your report is no worse than many that have been here. The other posters have given you good advice, I'll just add that it is doable, you just need to be tenacious and patient. And if you have a lot of beer, that might help too.

Oh and open a Crown Jewelers account, you need to build some positive credit too.

-r

[stefdr]

Jefferson Capital is a CA, they were on one of my GF's reports. It had been passed off to another CA and then did a PFD, it was a medical collection. Disputed it as creditor agreed to delete upon payment and it disappeared.

[pointman]

I'm wondering why you closed so many accts - Cap One, HSBC/BestBuy, Target, WAMU/PROV... I'm assuming you wanted to keep from incurring more debt, which is admirable but... Closing accts will hurt your credit scores. It shortens the length of time you've had credit and it lowers your available credit versus the balances you have on the accts that are open, ie; Utilization.

You might want to TRIAGE your reports; assess the damages and address the critical ones first. Those that can wait will have to wait. Address the critical; like conner said above, if you can, keep anything else from going to collections.

Sketch out a plan so you can keep track of who you've DV'd, disputed and when. Whip out an Excel sheet or similar form that you can track when you sent letters and disputes, and when you should expect to hear from them. You'll need to give the targets their full 30 days to respond; hittin 'em again before 30 days and they get an add'l 15 days to address your claims. (They looooove when that happens)

• Take care of your POSITIVE accounts (Imagine seems to be your only one)
  
• Don't close anymore accounts
  
• Dispute and DV in stages (workable numbers)
  
• Wait for the responses before you re-dispute
  
• Search for the Flow Chart and follow it
  
• Search - Read - Repeat
  

It may look unsurmountable, as in "You're seriously f$%cked," ahem, sorry.... but, there IS hope.

[rony1434]

Hello everyone

This Rony dsouza from USA

I am new to this website.

[rony1434]

Hi all

This thread has solved mine problem also, Well guys while searching on internet i found a website https://www.720creditscore.com/ , Is it true that this website really guides a way to achieve good credit scores?

[rony1434]

Hi everyone.

Could you please tell me that is 720 credit score is good to receive

a loan without any problem?

[ladydanielle]

^^^^ spam