I'm new and getting started - advice welcome - Credit Repair Forum from Creditnet
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  1. #1
    turin39789 is offline Junior Member
    Join Date
    Feb 2004
    Posts
    31

    I'm new and getting started - advice welcome

    I'm getting ready to assess where I am at credit-wise and then doing what I can to bring my score up.


    I'm eligible for free credit reports once a year in ky, and I'm going to be pulling those soon. I'd also like to get a look at my fico number, and I know that there is some debate on which is the best, but I'm asking anyway- What is the best most accurate and affordable way to get my credit score, I'm not looking to track it at this time - just to see where it is to see what my options will be to open a line of credit and see how far down the hole I am.

    My score got tanked a few years ago as I got cards as a college student and then got unemployed and irresponsible. Ended up doing a charge off on two of the cards. Those are probably going to stay on until they fall off, but right now I get denied for credit cards, and I want to try to find a way to get at least one open that I can use monthly for my gas to try to add some positive history to my credit reports.

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  3. #2
    apexcrsrv is offline Registered User
    Join Date
    Nov 2006
    Posts
    2,558
    At this point, ascertaining your FICO scores is really immaterial. Get your reports first and make a determination as to what is significant and what isn't. Simply because something was your account at one point doesn't necessarily mean that its accurate or complete. Look at the data fields when deciding what to dispute and beware of accounts which are within the statute of limitations.

    At some point, you will need to address the unpaid charge-offs. This can be accomplished through settling the accounts or accruing violations per disputes. Again, be forewarned of live accounts.

    As far as opening a line of credit, put that on the back burner. A new account will not help immediately in most cases and most prime issuers will not touch you with an unpaid, recent charge-off. An aged tradeline may help you but, again, those two unpaid charge-offs will remain problematic.

  4. #3
    turin39789 is offline Junior Member
    Join Date
    Feb 2004
    Posts
    31
    The following accounts contain information that some creditors may consider to be adverse. Adverse account information may generally be reported for 7 years from the date of the first delinquency, depending on your state of residence. The adverse information in these accounts has been printed in >brackets< or is shaded for your convenience, to help you understand your report. They are not bracketed or shaded this way for creditors. (Note: The account # may be scrambled by the creditor for your protection).

    AMERICAN EXPRESS #xx


    PO BOX 297871
    FT LAUDERDALE , FL 33329
    (800) 874-2717

    Balance:
    $0
    Date Updated:
    01/2004
    High Balance:
    $2,592
    Credit Limit:
    $1,700
    Past Due:
    $0
    Pay Status:
    >Payment After Charge Off/Collection<
    Account Type:
    Revolving Account
    Responsibility:
    Individual Account
    Date Opened:
    04/2001
    Date Closed:
    05/2003
    Date Paid:
    12/2003
    Loan Type: Credit Card
    Remark:
    >Settled - less than full balance<
    Estimated date that this item will be removed: 10/2009




    DISCOVER FINCL SVC LLC #xx


    PO BOX 15316
    WILMINGTON , DE 19850-5316
    (800) 347-2683

    Balance:
    $0
    Date Updated:
    08/2005
    High Balance:
    $3,229
    Credit Limit:
    $1,500
    Past Due:
    $0
    Pay Status:
    Paid or Paying as Agreed
    Account Type:
    Revolving Account
    Responsibility:
    Individual Account
    Date Opened:
    07/2000
    Date Closed:
    07/2005
    Date Paid:
    07/2005
    Loan Type: Credit Card
    Remark:
    >Settled - less than full balance<
    >Maximum delinquency of 120+ days in 04/2005 for $287<
    Estimated date that this item will be removed: 10/2009




    Late Payments

    This one has a lot of late payments, some 60's and some 120's. About a year and a half of good payments, then just over that in various late payment.s

    HSBC BEST BUY #xx


    POB 15521
    WILMINGTON , DE 19805
    (302) 327-2000

    Balance:
    $867
    Date Updated:
    03/2004
    High Balance:
    $850
    Credit Limit:
    $500
    Past Due:
    $0
    Pay Status:
    >Collection Account<
    Account Type:
    Revolving Account
    Responsibility:
    Individual Account
    Date Opened:
    11/2002
    Date Closed:
    10/2003
    Loan Type: Charge Account
    Remark:
    Account closed by credit grantor
    Estimated date that this item will be removed: 12/2009




    LVNV FUNDING LLC #xx


    PO BOX 10497
    GREENVILLE , SC 29603-0584
    (866) 464-1183

    Balance:
    $0
    Date Updated:
    05/2007
    High Balance:
    $866
    Collateral:
    12 HOUSEHOLD BEST BUY
    Past Due:
    $0
    Pay Status:
    >Payment After Charge Off/Collection<
    Account Type:
    Open Account
    Responsibility:
    Individual Account
    Date Opened:
    04/2004
    Date Closed:
    06/2004
    Date Paid:
    06/2004
    Loan Type: Factoring Company Account
    Remark:
    >Paid collection<
    Estimated date that this item will be removed: 02/2010




    PENTAGROUP FINANCIAL LLC #xx


    5959 CORPORATE DRI
    SUITE 1400
    HOUSTON , TX 77036
    (832) 615-2100

    Balance:
    $248
    Date Updated:
    05/2007
    Original Balance:
    $174
    Original Creditor:
    08 US BANK DDA
    Past Due:
    >$248<
    Pay Status:
    >Collection Account<
    Account Type:
    Open Account
    Responsibility:
    Individual Account
    Loan Type: Collection Agency Attorney
    Remark:
    >Placed for collection<
    Date placed for collection: [ 02/2007]
    Estimated date that this item will be removed: 12/2008



    The following accounts are reported with no adverse information. (Note: The account # may be scrambled by the creditor for your protection).

    CAPITAL ONE SERVICES #xx


    POB 30281
    SALT LAKE CITY , UT 84130-0281
    (800) 955-7070

    Balance:
    $0
    Date Updated:
    09/2004
    High Balance:
    $292
    Past Due:
    $0
    Pay Status:
    Paid or Paying as Agreed
    Account Type:
    Revolving Account
    Responsibility:
    Individual Account
    Date Opened:
    03/2001
    Date Closed:
    09/2004
    Date Paid:
    09/2001
    Loan Type: Credit Card
    Remark:
    Account closed by credit grantor




    Late Payments

    No Late Payments showing on this account. 1.5 years of ontime payment

    Regular Inquiries
    The following companies have received your credit report. Their inquiries remain on your credit report for two years.
    BANK ONE CONSUMER LENDIN

    P O BOX 2071
    MILWAUKEE , WI 53201
    (877) 226-7402

    Requested On:
    Inquiry Type:
    08/17/2006
    Individual


    FIRST USA NA

    800 BROOKSEDGE BLV
    WESTERVILLE , OH 43081
    Phone number not available

    Requested On:
    Inquiry Type:
    07/23/2006
    Individual


    AMERICAN EXPRESS

    4315 S 2700 WEST
    ST. LAKE CITY , UT 84184
    Phone number not available

    Requested On:
    Inquiry Type:
    06/15/2005
    Individual


    DISCOVER FIN SERVICES

    8475 SO. SANDY PK
    CMA -UTAH CENTER
    SANDY , UT 84070
    Phone number not available

    Requested On:
    Inquiry Type:
    06/07/2005
    Individual



    Promotional Inquires
    The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your credit score.
    HSBC BANK NV FKA HHLB

    POB 19360
    PORTLAND , OR 97280
    (800) 477-6000

    Requested On:
    02/2007


    HSBC BANK NV FKA HHLB

    POB 19360
    PORTLAND , OR 97280
    (800) 477-6000

    Requested On:
    01/2007


    FIRST PREMIER

    PO BOX 5114
    SIOUX FALLS , SD 57117-5114
    (800) 584-7097

    Requested On:
    12/2006


    HSBC BANK NV FKA HHLB

    POB 19360
    PORTLAND , OR 97280
    (800) 477-6000

    Requested On:
    11/2006



    Account Review
    The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any creditor's decision or any score (except insurance companies may have access to other insurance company inquiries, where permitted by law).
    FACTACT FREE DISCLOSURE

    P O BOX 1000
    CHESTER , PA 19022
    (800) 888-4213

    Requested On:
    01/2006


    TRAVELERS INSURANCE

    10777 NW FREEWAY
    HOUSTON , TX 77092
    Phone number not available

    Requested On:
    09/2005


    DISCOVER FINCL SVC LLC

    2500 LAKE COOK RD
    RIVERWOODS , IL 60015-3851
    Phone number not available

    Requested On:
    07/2005

  5. #4
    turin39789 is offline Junior Member
    Join Date
    Feb 2004
    Posts
    31
    This is my Transunion report.

    The bad
    charge off - Discover(07/05) and American Express(05/03)

    paid after going to collections - Best Buy (Showing twice on report)

    incorrect - Pentagroup account currently in collections - This is a collection of overdraft fees from my bank that were refunded by the branch manager. It's not a valid debt so it's got to go and it only recently showed up.

    The good

    Capital one card was paid on time for a year and a half.


    I think I need to attack the Pentagroup first and it may be fairly easy to get rid of since it was never a valid debt. After that how/what can I do on the other stuff. I may try to get a screen shot of the report as it is much clearer in the original formatting.

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