Gregory17 Posted May 15, 2021 Report Share Posted May 15, 2021 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) Transunion: 562 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 Quote Link to comment Share on other sites More sharing options...
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