Guest Monkey Doll Posted October 31, 2012 Report Share Posted October 31, 2012 Hello, I join another credit board today and this is my 2nd board, but I thought it would be good to get advice from different poeple. Here's my situation: I have been a pretty responsible person and always made sure to pay my bills on time. My current score however is 644 for a FICO Equifax score. I don't really know how i got here as just a little less than a year ago, my score was 730. What has changed since then? I got a car loan (owe about $9K on it) and my credit card debt has probably increased totaling $5200. Debt utilization ratio is 38%. I have 2 collections on my report. I opened a dispute for one as I have no idea who they are and don't think the account belongs to be, that is the lowest amount though $189, the other collection account is for a rental property that my ex-husband and I rented in 2008-2009, we were each responsible for half of the rent, every month I wrote him my half, but later found out that my portion of the rent was the only thing that was deposited and long story short by the time I found this, we owed them over $5k . The ex promised to pay this off as it was his fault and debt but he never did, I think he did make a payment plan with the collection agency but probably did not follow through and has no intent to, the balance on this one is about $2.4k right now. Unfortunately, because we both signed the lease then, it is tied to me and my report, grrrrrr!Anyhow, I would like to purchase a house in the next year or so and would love to at least go back to 700 and was hoping I could get some help from here.Here are the 2 adverse accounts that are showing on my report:1-IQ DATA INTERNATIONALStatus: Collection account. $2,460 past due as of Aug 2012.Status Details: This account is scheduled to continue on recorduntil May 2016.2-AMERICAN COLLECTIONSThis item is currently being investigatedStatus: Collection account. $189 past due as of Oct 2012. Status Details: This account is scheduled to continue on recorduntil Dec 2014. What steps can I take to improve my score or at least get these collections out of my report? I don't have any other negative payment/issues besides these 2. Thank you all Link to comment Share on other sites More sharing options...
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