pharris` Posted April 2, 2012 Report Share Posted April 2, 2012 Can somone please look at my credit report and tell me what i can do to improve my credit score and how much it will impact it.I paid the collection from wes asset and then they reported a KD to my report and it lowered my score now i am scared to do anything else. I do have funds and i am not looking for a deal i want a better score. Thank you Link to comment Share on other sites More sharing options...
pharris` Posted April 2, 2012 Author Report Share Posted April 2, 2012 Sort By Status Name Account Type Past Due Balance Date Opened Potentially Negative ClosedMailing Address:More Account Details Account Name No Data ReturnedFor This Bureau No Data ReturnedFor This Bureau Account # FSTI018581572XXXX Account Type Collection Account Balance $270.00 Date Opened 7/1/2009 Account Status Closed Mo. Payment Close Account Details Past Due Payment Status Unpaid High Balance Limit Terms Comments MEDICALUnpaid 24-Month Payment History - Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Month Experian Equifax TransUnion PHYSICIANS CREDIT BUREPotentially Negative Closed614-895-3232 Mailing Address:5500 NEW ALBANY RD STE 2WESTERVILLE, OH 43082More Account Details Account Name PHYSICIANS CREDIT BURE No Data ReturnedFor This Bureau Account # 816XXXX 816XXXX Account Type Collection Department / Agency / Attorney Collection Account Balance $424.00 $424.00 Date Opened 4/1/2009 4/1/2009 Account Status Closed Closed Mo. Payment Close Account Details Past Due $424.00 Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Unpaid High Balance Limit Terms 1 Month Comments MEDICALUnpaid 24-Month Payment History 2009 2010 2011 Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND ND KD Month Experian Equifax TransUnion UNITED COLLECT BUR INCPotentially Negative Closed419-866-6227 Mailing Address:5620 SOUTHWYCK BLVD STETOLEDO, OH 43614More Account Details Account Name UNITED COLLECT BUR INC No Data ReturnedFor This Bureau UN COLL TOL Account # 2829XXXX 2829XXXX Account Type Collection Department / Agency / Attorney Collection Account Balance $0.00 Date Opened 2/1/2010 2/22/2010 Account Status Closed Closed Mo. Payment Close Account Details Past Due Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default Payment after charge off / collection High Balance Limit Terms 1 Month Comments Paid collection 24-Month Payment History 2009 2010 2011 Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May KD ND ND ND ND ND ND ND ND ND ND ND OK Month Experian Equifax TransUnion WEST ASSET MANAGEMENTPotentially Negative Closed402-390-8444 Mailing Address:7171 MERCY RDOMAHA, NE 68106More Account Details Account Name WEST ASSET MANAGEMENT WEST ASSET MANAGEMEN WEST ASSET Account # 2582XXXX 2582XXXX 2582XXXX Account Type Collection Department / Agency / Attorney Collection Account Collection Account Balance $0.00 $0.00 Date Opened 12/1/2010 12/1/2010 12/8/2010 Account Status Closed Closed Closed Mo. Payment Close Account Details Past Due Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default Paid Payment after charge off / collection High Balance Limit Terms 1 Month Comments Account in dispute-reported by subscriberCOLLECTION ACCOUNTPaid Account information disputed by consumer 24-Month Payment History 2009 2010 2011 May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr KD Month Experian Equifax TransUnion CLYD FNLY CUCurrentNo Phone Provided Mailing Address:1455 MCPHERSONCLYDE, OH 43410More Account Details Account Name No Data ReturnedFor This Bureau No Data ReturnedFor This Bureau CLYD FNLY CU Account # 46560706XXXX Account Type Revolving account Balance $0.00 Date Opened 5/5/2008 Account Status Open Mo. Payment Close Account Details Past Due $0.00 Payment Status Paid or paying as agreed High Balance $374.00 Limit $300.00 Terms Comments 24-Month Payment History 2010 2011 2012 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK 30 OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion CLYDE-FDY AREA CREDICurrent419-423-3764 Mailing Address:11714 TWP RD 100FINDLAY, OH 45840More Account Details Account Name No Data ReturnedFor This Bureau CLYDE-FDY AREA CREDI No Data ReturnedFor This Bureau Account # 465607063031XXXX Account Type Revolving or Option Balance $0.00 Date Opened 5/1/2008 Account Status Open Mo. Payment Close Account Details Past Due Payment Status Pays account as agreed High Balance Limit $300.00 Terms Comments CREDIT CARD 24-Month Payment History 2010 2011 2012 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK 30 OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion FED LOAN SERVCurrent717-720-1985 Mailing Address:PO BOX 69184HARRISBURG, PA 17106More Account Details Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN Account # 3923892378FD0XXXX 3923892378FD0XXXX 3923892378FD0XXXX Account Type Education Loan Installment Installment account Balance $3,500.00 $2,691.00 $3,500.00 Date Opened 9/1/2011 9/1/2011 9/7/2011 Account Status Open Open Open Mo. Payment Close Account Details Past Due $0.00 $0.00 Payment Status Current Pays account as agreed Paid or paying as agreed High Balance $2,691.00 $3,500.00 Limit Terms Unknown Comments Student loan - payment deferred STUDENT LOAN - PAYMENT DEFERRED Payment deferred 24-Month Payment History 2010 2011 2012 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion Link to comment Share on other sites More sharing options...
pharris` Posted April 2, 2012 Author Report Share Posted April 2, 2012 FED LOAN SERVCurrent717-720-1985 Mailing Address:PO BOX 69184HARRISBURG, PA 17106More Account Details Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN Account # 3923892378FD0XXXX 3923892378FD0XXXX 3923892378FD0XXXX Account Type Education Loan Installment Installment account Balance $2,691.00 $3,500.00 $2,691.00 Date Opened 9/1/2011 9/1/2011 9/7/2011 Account Status Open Open Open Mo. Payment Close Account Details Past Due $0.00 $0.00 Payment Status Current Pays account as agreed Paid or paying as agreed High Balance $3,500.00 $2,691.00 Limit Terms Unknown Comments Student loan - payment deferred STUDENT LOAN - PAYMENT DEFERRED Payment deferred 24-Month Payment History 2010 2011 2012 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion FED LOAN SERVCurrent717-720-1985 Mailing Address:PO BOX 69184HARRISBURG, PA 17106More Account Details Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN Account # 3923892378FD0XXXX 3923892378FD0XXXX 3923892378FD0XXXX Account Type Education Loan Installment Installment account Balance $3,500.00 $1,250.00 $1,250.00 Date Opened 2/1/2011 2/1/2011 2/9/2011 Account Status Open Open Open Mo. Payment Close Account Details Past Due $0.00 $0.00 Payment Status Current Pays account as agreed Paid or paying as agreed High Balance $1,250.00 $1,250.00 Limit Terms Unknown Comments Student loan - payment deferred STUDENT LOAN - PAYMENT DEFERRED Payment deferred 24-Month Payment History 2010 2011 2012 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion FED LOAN SERVCurrent717-720-1985 Mailing Address:PO BOX 69184HARRISBURG, PA 17106More Account Details Account Name FED LOAN SERV FED LOAN SERVICING FEDLOAN Account # 3923892378FD0XXXX 3923892378FD0XXXX 3923892378FD0XXXX Account Type Education Loan Installment Installment account Balance $1,250.00 $3,500.00 $3,500.00 Date Opened 2/1/2011 2/1/2011 2/9/2011 Account Status Open Open Open Mo. Payment Close Account Details Past Due $0.00 $0.00 Payment Status Current Pays account as agreed Paid or paying as agreed High Balance $3,500.00 $3,500.00 Limit Terms Unknown Comments Student loan - payment deferred STUDENT LOAN - PAYMENT DEFERRED Payment deferred 24-Month Payment History 2010 2011 2012 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion KAY JEWELERSCurrentNo Phone Provided Mailing Address:375 GHENT RDAKRON, OH 44333More Account Details Account Name No Data ReturnedFor This Bureau No Data ReturnedFor This Bureau KAY JEWELERS Account # 60XXXX Account Type Revolving account Balance $0.00 Date Opened 12/13/2010 Account Status Open Mo. Payment Close Account Details Past Due $0.00 Payment Status Paid or paying as agreed High Balance $539.00 Limit $539.00 Terms Comments 24-Month Payment History 2010 2011 2012 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion KAY JEWELERSCurrentNo Phone Provided Mailing Address:375 GHENT RDFAIRLAWN, OH 44333More Account Details Account Name KAY JEWELERS KAY JEWELERS No Data ReturnedFor This Bureau Account # 600131XXXX 600131XXXX Account Type Charge Account Revolving or Option Balance $0.00 $0.00 Date Opened 12/1/2010 12/1/2010 Account Status Open Open Mo. Payment $50.00 Close Account Details Past Due Payment Status Current Pays account as agreed High Balance $539.00 Limit $539.00 $539.00 Terms Revolving Comments CHARGE 24-Month Payment History 2010 2011 2012 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion Link to comment Share on other sites More sharing options...
pharris` Posted April 2, 2012 Author Report Share Posted April 2, 2012 OHIO DEPT OF HUMAN SCurrent800-466-6396 Mailing Address:701 ADAMS STREETTOLEDO, OH 43624-2400More Account Details Account Name No Data ReturnedFor This Bureau OHIO DEPT OF HUMAN S No Data ReturnedFor This Bureau Account # 7069577331AP08-XXXX Account Type Open Account Balance $0.00 Date Opened 12/1/2008 Account Status Open Mo. Payment Close Account Details Past Due Payment Status Pays account as agreed High Balance Limit Terms 50 s Comments CHILD / FAMILY SUPPORT OBLIGATIONMONTHLY PAYMENT IS PAYROLL DEDUCTIBLE 24-Month Payment History 2009 2010 2011 Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion 5TH 3RD BKCurrent Closed800-972-3030 Mailing Address:5050 KINGSLEY DRMD# 1MOC2NCINCINATTI, OH 45263More Account Details Account Name No Data ReturnedFor This Bureau No Data ReturnedFor This Bureau 5TH 3RD BK Account # 8XXXX Account Type Installment account Balance $0.00 Date Opened 4/18/2008 Account Status Closed Mo. Payment $308.00 Close Account Details Past Due $0.00 Payment Status Paid or paying as agreed High Balance $14,427.00 Limit Terms 60 Months Comments Closed 24-Month Payment History 2006 2007 2008 Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul OK OK OK OK Month Experian Equifax TransUnion CLYD FNLY CUCurrent ClosedNo Phone Provided Mailing Address:1455 MCPHERSONCLYDE, OH 43410More Account Details Account Name No Data ReturnedFor This Bureau No Data ReturnedFor This Bureau CLYD FNLY CU Account # 46560706XXXX Account Type Revolving account Balance $0.00 Date Opened 5/5/2008 Account Status Closed Mo. Payment Close Account Details Past Due $0.00 Payment Status Paid or paying as agreed High Balance $0.00 Limit $300.00 Terms Comments Credit card lost or stolen 24-Month Payment History 2008 2009 2010 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion FIFTH THIRD BANKCurrent Closed800-972-3030 Mailing Address:5050 KINGSLEY DRIVEMD 1MOC2NCINCINNATI, OH 45263More Account Details Account Name No Data ReturnedFor This Bureau FIFTH THIRD BANK No Data ReturnedFor This Bureau Account # 86894XXXX Account Type Installment Balance $0.00 Date Opened 4/1/2008 Account Status Closed Mo. Payment $308.00 Close Account Details Past Due Payment Status Pays account as agreed High Balance $14,427.00 Limit Terms Comments PAID ACCOUNT / ZERO BALANCEAUTO 24-Month Payment History 2006 2007 2008 Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul OK OK OK OK Month Experian Equifax TransUnion FIFTH THIRD BANKCurrent Closed513-579-5200 Mailing Address:FIFTH THIRD CENTERCINCINNATI, OH 45263More Account Details Account Name FIFTH THIRD BANK No Data ReturnedFor This Bureau No Data ReturnedFor This Bureau Account # 8XXXX Account Type Auto Loan Balance Date Opened 4/1/2008 Account Status Closed Mo. Payment Close Account Details Past Due Payment Status Paid satisfactorily High Balance Limit Terms 60 Months Comments 24-Month Payment History 2006 2007 2008 Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug OK OK OK OK OK Month Experian Equifax TransUnion KAY JEWELERSCurrent ClosedNo Phone Provided Mailing Address:375 GHENT RDAKRON, OH 44333More Account Details Account Name No Data ReturnedFor This Bureau No Data ReturnedFor This Bureau KAY JEWELERS Account # 31XXXX Account Type Revolving account Balance $0.00 Date Opened 10/18/2008 Account Status Closed Mo. Payment Close Account Details Past Due $0.00 Payment Status Paid or paying as agreed High Balance $0.00 Limit $400.00 Terms Comments Inactive account 24-Month Payment History 2008 2009 2010 Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Month Experian Equifax TransUnion KAY JEWELERSCurrent ClosedNo Phone Provided Mailing Address:375 GHENT RDFAIRLAWN, OH 44333More Account Details Account Name KAY JEWELERS KAY JEWELERS No Data ReturnedFor This Bureau Account # 310405XXXX 310405XXXX Account Type Charge Account Revolving or Option Balance $0.00 Date Opened 10/1/2008 10/1/2008 Account Status Closed Closed Mo. Payment Close Account Details Past Due Payment Status Paid satisfactorily Pays account as agreed High Balance $400.00 Limit $400.00 Terms Revolving Comments Credit line closed-grantor request-reported by subscriber PAID ACCOUNT / ZERO BALANCECHARGE 24-Month Payment History 2008 2009 2010 Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Link to comment Share on other sites More sharing options...
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