 | Hi again can one of you pros look at my report and offer advice?
06-07-2008, 10:53 PM
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#1 | | New Member
Join Date: Nov 2006
Posts: 10
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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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06-08-2008, 08:13 AM
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#2 | | If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,754
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If you would get all your current open cards below 50% balance to cl, and ideally at around 35% you should be in the mid to upper 6's.
Is the score a FICO score or a score from Experian's site?
NCO is pretty easy to remove. I would DV all the CAs and dispute with the bureaus.
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06-08-2008, 12:42 PM
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#3 | | New Member
Join Date: Nov 2006
Posts: 10
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Hi there jlynn nice to meet you and thanks for the help!
Let me ask, what exacty is an NCO? That score came from the Experian site.
Thanks so much again!
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06-08-2008, 09:57 PM
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#4 | | Administrator
Join Date: Nov 2004 Location: Greater DC area
Posts: 7,696
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NCO isn't a score. It's one of your accounts--NCO Financial.
Jlynn is saying that if you send debt validation (DV) letters to all of the collection agencies (CAs) and also dispute the accounts through the reporting agencies, you should get at least some of them removed.
The score from the Experian site is what we call a FAKO. The true FICO score only comes from myfico. The FAKO scores can vary quite a bit from your true FICO scores.
__________________
The answer is 42!!
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06-09-2008, 12:39 AM
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#5 | | New Member
Join Date: Nov 2006
Posts: 10
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Wow okay now I got ya. Thanks alot for the input Hedwig. Just curious from a person who is savy at credit repair like yourself...how bad does my credit report look?
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06-09-2008, 01:44 AM
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#6 | | Administrator
Join Date: Nov 2004 Location: Greater DC area
Posts: 7,696
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I'm not as savvy as some around here, so I'll reserve judgment.
__________________
The answer is 42!!
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06-09-2008, 02:58 AM
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#7 | | New Member
Join Date: Nov 2006
Posts: 10
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lol ok thanks Hedwig
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06-10-2008, 11:06 AM
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#8 | | HONORED GUEST
Join Date: Nov 2006
Posts: 296
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It's not awful but, it isn't good either. You're problem is in three stages.
1) You've got several debt purchasers on your reports. By virtue of how they report, they must be removed b/c they will kill your scores. The dates are going to be to recent and the type is going to report as open. Down the drain go the scores.
You have a few miscellaneous lates and collections. NCO and RJM can be dealt with.
2) Your utilization is poor. Do as Jlynn advises.
3) You don't have much by way of open, revolving history. This is what is used to primarily gauge your overall history. You could consider adding some aged accounts if a score increase is imperative to you. Ask a relative or friend to add you to an old credit card or look for this service through a broker if the former option isn't a viable one.
You may be able to touch a 700 if you remove most of these debt purchasers, lower your balances and add some history.
__________________ http://www.apexcreditservices.com
No part of the post above or anything posted by us herein is to be considered legal advice. If you seek legal advice, contact a licensed attorney within your jurisdiction. No part of our website link, including clicking upon it, constitutes an offer of any kind or an advertisement to seek an agreement of any kind. Its placement here is for informational purposes exclusively.
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06-11-2008, 01:20 AM
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#9 | | New Member
Join Date: Nov 2006
Posts: 10
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Hey apex thanks for the easy breakdown.
Jlynn said I should DV with the collection agency's and dispute with the bureaus. How can I get the addresses and info for these purchasers? It's funny I have these things on my reports but the CA's never send me any correspondence in the mail so I don't know how dispute with them.
Can I just dispute with the bureaus? Also I looked at your site and am planning on retaining your services for the aged accounts but I was curious if the effect on the score is permanent or just temporary when you add these aged accounts?
Thanks much to all!
Oh one more thing as far as utilization goes. Is it better to just paid down your cards to zero or just to a really low balance? Which one raises your score more?
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06-11-2008, 09:58 AM
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#10 | | If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,754
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The addresses should be on you credit reports, or you can usually google them and find one.
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06-11-2008, 12:52 PM
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#11 | | HONORED GUEST
Join Date: Nov 2006
Posts: 296
| Quote:
Originally Posted by GOOD GUY BAD CREDIT  Hey apex thanks for the easy breakdown.
Jlynn said I should DV with the collection agency's and dispute with the bureaus. How can I get the addresses and info for these purchasers? It's funny I have these things on my reports but the CA's never send me any correspondence in the mail so I don't know how dispute with them.
Can I just dispute with the bureaus? Also I looked at your site and am planning on retaining your services for the aged accounts but I was curious if the effect on the score is permanent or just temporary when you add these aged accounts?
Thanks much to all!
Oh one more thing as far as utilization goes. Is it better to just paid down your cards to zero or just to a really low balance? Which one raises your score more? |
As Jlynn states, it should be on your reports. Make sure you search your secretary of state's office for an actual officer in these companies to send the requests for validation to. Along those lines, yes, I would advise you to contact them directly as well as through the credit reporting agencies.
Just pay down the balances to zero. We've seen no reliable data that supports a balance favorably impacts a score and assuming it did, it would be to marginal to justify the hassle of payment. Do use them periodically though.
__________________ http://www.apexcreditservices.com
No part of the post above or anything posted by us herein is to be considered legal advice. If you seek legal advice, contact a licensed attorney within your jurisdiction. No part of our website link, including clicking upon it, constitutes an offer of any kind or an advertisement to seek an agreement of any kind. Its placement here is for informational purposes exclusively.
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| | | |  Re: Hi again can one of you pros look at my report and offer advice?
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06-15-2009, 04:14 PM
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#12 | | Junior Member
Join Date: Jun 2009 Location: Idaho soon to california
Posts: 39
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Nco and Rjm are reporting incorrectly with terms set at one month you had no contract with them!  | |
| | | | Re: Hi again can one of you pros look at my report and offer advice?
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06-15-2009, 04:59 PM
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#13 | | Administrator
Join Date: Nov 2004 Location: Greater DC area
Posts: 7,696
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Hey, welcome jj!!! Glad to see you here.
__________________
The answer is 42!!
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| | | |  Re: Hi again can one of you pros look at my report and offer advice?
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06-15-2009, 06:40 PM
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#14 | | Junior Member
Join Date: Jun 2009 Location: Idaho soon to california
Posts: 39
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Originally Posted by Hedwig Hey, welcome jj!!! Glad to see you here. | Just checking the site looks good,one of my sites nobody posted in 2 days.So it might have ran its course?
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| | | | Re: Hi again can one of you pros look at my report and offer advice?
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06-16-2009, 10:54 PM
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#15 | | Administrator
Join Date: Nov 2004 Location: Greater DC area
Posts: 7,696
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Thanks for the kind words. Hope you'll stick around!!
Sometimes things get slow on a site.
__________________
The answer is 42!!
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| | | | Re: Hi again can one of you pros look at my report and offer advice?
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06-17-2009, 12:11 AM
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#16 | | Junior Member
Join Date: Jun 2009 Location: Idaho soon to california
Posts: 39
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Originally Posted by Hedwig Thanks for the kind words. Hope you'll stick around!!
Sometimes things get slow on a site. | Vacation time a lot of people are gone.hope I'm gone from here before winter just can't take 10-30 below anymore.I like the way this is laid out,plus apex is here,so we get good advice.Just sent my settlement offer to chase so i'll see what happens.I offered not to take them back to bk court for an out of court settlement.Because the bk judge here is pro consumer very pro.  :
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| | | | Re: Hi again can one of you pros look at my report and offer advice?
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06-17-2009, 02:48 AM
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#17 | | The One and Only!
Join Date: May 2006
Posts: 4,050
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Originally Posted by jjgross Vacation time a lot of people are gone.hope I'm gone from here before winter just can't take 10-30 below anymore.I like the way this is laid out,plus apex is here,so we get good advice.Just sent my settlement offer to chase so i'll see what happens.I offered not to take them back to bk court for an out of court settlement.Because the bk judge here is pro consumer very pro. : | sounds interesting, can you elaborate on your situation?
Thanks
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| | | |  Re: Hi again can one of you pros look at my report and offer advice?
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06-17-2009, 12:21 PM
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#18 | | Junior Member
Join Date: Jun 2009 Location: Idaho soon to california
Posts: 39
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Qtip. My battle with wamu/providian/chase dates back to my original dispute because it wasn't listed as included in bk.I've disputed 3 times,the last time it came back as included in bk,but paid/paid as agreed.Now the kicker is they also sent me 2 statements.One to report a fraud.the other is a statement to reaffirm the debt.this debt was discharged in Dec of 2007.My contention is that it's a guise to attempt to collect a debt.So i sent them a letter to settled this out of court on two grounds.Their in contempt of the injunction and stay.So i made them an offer for a cash settlement as I'm sure they don't want the bad publicity.What do you think about this i haven't sent the letter yet.Thanks in advance!Also arrow fin is reporting this also,even though its been reported as paid
Last edited by jjgross; 06-17-2009 at 12:26 PM.
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| | | | Re: Hi again can one of you pros look at my report and offer advice?
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06-19-2009, 12:22 AM
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#19 | | Administrator
Join Date: May 2006
Posts: 2,760
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Originally Posted by jjgross Qtip. My battle with wamu/providian/chase dates back to my original dispute because it wasn't listed as included in bk.I've disputed 3 times,the last time it came back as included in bk,but paid/paid as agreed.Now the kicker is they also sent me 2 statements.One to report a fraud.the other is a statement to reaffirm the debt.this debt was discharged in Dec of 2007.My contention is that it's a guise to attempt to collect a debt.So i sent them a letter to settled this out of court on two grounds.Their in contempt of the injunction and stay.So i made them an offer for a cash settlement as I'm sure they don't want the bad publicity.What do you think about this i haven't sent the letter yet.Thanks in advance!Also arrow fin is reporting this also,even though its been reported as paid | I'd send the letter. It is a clear violation.
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| | | |  Re: Hi again can one of you pros look at my report and offer advice?
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06-19-2009, 12:48 AM
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#20 | | Junior Member
Join Date: Jun 2009 Location: Idaho soon to california
Posts: 39
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I just stuffed the letter tonight so I'll send it off.By the way i work for a credit union i do title work and work in the same office as collectors.They hired this kid who called a customer who on his file was noted do not call customer filed bk.So when he hung up i told him you just cost the bank $10,000.Didn't you read the file.answer yes but he still owes us money.He sued and got $8500 dollars which is what he asked for.By the way jj is my husband so we both use the name.He's the grumpy one lol  | |
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