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Hi again can one of you pros look at my report and offer advice?
Thanks much. Experian said my score is 592 which they say is poor. How and which things do you guys think I can get removed?
Account Name: CAP ONE
Account Number:
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment: $15.00
Date Open: 1/1/2005
Balance: $375.00
Terms: Revolving
High Balance: $455.00
Limit: $500.00
Past Due:
Payment Status: Current, was past due 30 days three times
Comments:
24-Month Payment History ? Legend
Date: Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08
OK 30 OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Account Name: HSBC BANK
Account Number:
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment: $22.00
Date Open: 11/1/2004
Balance: $38.00
Terms: Revolving
High Balance: $511.00
Limit: $300.00
Past Due:
Payment Status: Current
Comments:
24-Month Payment History ? Legend
Date: Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Account Name: HSBC BANK
Account Number:
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment: $15.00
Date Open: 12/1/2005
Balance: $236.00
Terms: Revolving
High Balance: $450.00
Limit: $300.00
Past Due:
Payment Status: Current
Comments:
24-Month Payment History ? Legend
Date: Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Account Name: LVNV FUNDING LLC
Account Number:
Acct Type: Unknown - Credit Extension, Review, Or Collection
Acct Status: Closed
Monthly Payment:
Date Open: 6/1/2006
Balance: $184.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $184.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Comments:
24-Month Payment History ? Legend
Date: Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08
KD KD KD KD KD KD KD KD KD ND KD KD KD KD ND KD KD KD KD KD KD
Account Name: MERRICK BANK
Account Number:
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment: $43.00
Date Open: 1/1/2006
Balance: $967.00
Terms: Revolving
High Balance: $967.00
Limit: $1,150.00
Past Due:
Payment Status: Current
Comments:
24-Month Payment History ? Legend
Date: Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08 08
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Account Name: MUNICIPAL CREDIT UNION
Account Number:
Acct Type: Unsecured Loan
Acct Status: Closed
Monthly Payment:
Date Open: 7/1/2006
Balance:
Terms: 36 Months
High Balance:
Limit:
Past Due:
Payment Status: Paid satisfactorily
Comments:
24-Month Payment History ? Legend
Date: Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08
OK OK OK OK ND OK OK OK OK OK OK OK OK OK ND OK OK OK OK OK OK OK
Account Name: NCO FIN/99
Account Number:
Acct Type: Collection Department / Agency / Attorney
Acct Status: Closed
Monthly Payment:
Date Open: 1/1/2008
Balance: $87.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $87.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Comments:
24-Month Payment History ? Legend
Date: Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08
KD KD KD
Account Name: NYS HIGHER ED SERVICES
Account Number:
Acct Type: Education Loan
Acct Status: Closed
Monthly Payment:
Date Open: 7/1/1996
Balance:
Terms: Unknown
High Balance:
Limit:
Past Due:
Payment Status: Paid, zero balance
Comments:
24-Month Payment History ? Legend
Date: Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
97 97 97 97 97 97 97 97 97 98 98 98 98 98 98 98 98 98 98 98 98 99 99 99
OK
Account Name: RJM ACQ LLC
Account Number:
Acct Type: Unknown - Credit Extension, Review, Or Collection
Acct Status: Closed
Monthly Payment:
Date Open: 9/1/2007
Balance: $298.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $298.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Comments:
24-Month Payment History ? Legend
Date: Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
05 05 05 06 06 06 06 06 06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07
KD
Account Name: US DEPT OF EDUCATION
Account Number:
Acct Type: Education Loan
Acct Status: Closed
Monthly Payment:
Date Open: 11/1/2004
Balance:
Terms: 120 Months
High Balance:
Limit:
Past Due:
Payment Status: Paid, zero balance
Comments:
24-Month Payment History ? Legend
Date: Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug
03 03 03 03 04 04 04 04 04 04 04 04 04 04 04 04 05 05 05 05 05 05 05 05
OK
Account Name: US DEPT OF EDUCATION
Account Number:
Acct Type: Education Loan
Acct Status: Closed
Monthly Payment:
Date Open: 9/1/1999
Balance:
Terms: 113 Months
High Balance:
Limit:
Past Due:
Payment Status: Paid, zero balance
Comments:
24-Month Payment History ? Legend
Date: Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug
03 03 03 03 04 04 04 04 04 04 04 04 04 04 04 04 05 05 05 05 05 05 05 05
OK
Experian:
Account Name: US DEPT OF EDUCATION
Account Number:
Acct Type: Education Loan
Acct Status: Open
Monthly Payment:
Date Open: 7/1/2005
Balance: $7,336.00
Terms: 121 Months
High Balance:
Limit:
Past Due:
Payment Status: Current
Comments:
24-Month Payment History ? Legend
Date: May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
06 06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08
OK
Account Name: US DEPT OF EDUCATION
Account Number:
Acct Type: Education Loan
Acct Status: Open
Monthly Payment:
Date Open: 8/1/2005
Balance: $10,311.00
Terms: 121 Months
High Balance:
Limit:
Past Due:
Payment Status: Current
Comments:
24-Month Payment History ? Legend
Date: May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr
06 06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08
OK
Account Name: WASH MUTUAL/PROVIDIAN
Account Number:
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment: $17.00
Date Open: 12/1/2007
Balance: $833.00
Terms: Revolving
High Balance: $883.00
Limit: $1,000.00
Past Due:
Payment Status: Current
Comments:
24-Month Payment History ? Legend
Date: Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08
OK OK OK OK OK
Account Name: WASH MUTUAL/PROVIDIAN
Account Number:
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment: $44.00
Date Open: 10/1/2005
Balance: $1,744.00
Terms: Revolving
High Balance: $1,744.00
Limit: $4,000.00
Past Due:
Payment Status: Current
Comments:
24-Month Payment History ? Legend
Date: Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May
06 06 06 06 06 06 06 07 07 07 07 07 07 07 07 07 07 07 07 08 08 08 08 08
OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Experian:
Last edited by Enigma; 06-07-2008 at 11:06 PM..
Reason: to remove account numbers
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