500's Club?

Discussion in 'Credit Talk' started by doodyhead, Nov 9, 2001.

  1. doodyhead

    doodyhead Well-Known Member

    Who is stuck in the 500's like me? What do you have on your reports?

    I have

    1 tax lien, 2000 (just released, not updated yet)

    1 Good Credit card, open since 6/01
    1 Good Retail card, closed
    2 Good finance accounts, closed
    1 CC I was AU on "included in BK of another person" but reported as Good

    2 Citi Chargeoffs, unpaid reported multiple times
    2 unpaid utility collection 1999
    1 unpaid retail collection 1999
    1 unpaid retail chargeoff 1999
    2 paid utility chargeoff 1998
    1 redeemed car repo 1999 now Paid as Agrees
    2 unpaid finance co chargeoffs 1999
    1 returned check paid 1999

    2 inquiries past 6 months

    Anyone in the same boat???
  2. raiderpam

    raiderpam Well-Known Member

    Me too going backwards one paid tax lien/97 charge off cc 458 from 1/2000 reported twice one good cc repo from 97 reported by orginal and ca car loan good car loan with 30 day late
  3. KHM

    KHM Well-Known Member

    2 paid car loans, never late (had both over 24 months)
    1 car loan now, paid never late (13 months)
    2 paid charge offs on from 98 (now states R5) and one from 96
    1 closed overdraft never late ( 2 months)
    1 open OD never late (42 months)
    Speigel (never used never late) 12 months reviewed
    student loan paid off never late (6 months)
    student loan never late (only owe $500 reviewed for 20 months)
    1 retail card 2 times late in 96 now closed (14 months)
    1 retail card closed never late (reviewed 24 months)
    2 open credit cards 1 with $1700 CL other with $500 CL never late (1 reviewed for 14 months the other for 2 months)
    1 unpaid retail chargeoff $125 in 3/97

    Anyone know if Household CC reports? I've had that one for 4 months and it still isn't showing up, it is unsecured.
  4. uniondiva

    uniondiva Well-Known Member

    me too

    two judgements (one paid)

    three collections (all medical, currently disputing)

    a repo

    and infamous student loans

    Oldest account 2 years old w.2 late pays

  5. Debmac

    Debmac Well-Known Member

    Me four!

    First the bad:

    1 paid judgement (only on EX) goodbye present from ex hubby (joint on a lease)

    1 paid off/acct closed by credit grantor (Cap 1) 01

    1 unpaid repo ('98)

    9 unpaid collections (97-98, mostly medical)

    1 paid collection (98)

    4 student loans with 0 bal (consolidated, not rehab)

    10 inquiries in the past 6 months (I went nuts when I saw I had a 601 back in June...)

    Now the good!:

    1 installment loan (credit union)

    5 credit cards--
    1st Primier open 01-01 no lates
    Cap 1 open 7-01 no lates
    GetSmart open 6-01 no lates
    Orchard Bank open 8-01 no lates
    Amex CLOSED from 1989 (back in my Good Days)..
    **This was charged off, but Amex still reports it in good standing...**

    1 auto loan open 01-01 no lates (love direct withdrawl!)

    3 student loans (consoliated; in school status)

    My score on CreditExpert is 539

    Deb @ Mich St
  6. ohnostuck

    ohnostuck Well-Known Member

    Depends on the report. Transunion is my worst with a 595. Included on that is:

    Judgment- lawyer is sending a stipulation Monday
    Paid collection 156
    Unpaid collection 529 (this one really isnt mine)
    3 credit cards one closed all 0 balances
    2 30 day late mortgage payments

    Experian 618 (I think this may go up too)
    Paid collection 156
    1 credit card 0 balance
    2 30 day late mortgage
    96 repo O balance


    2 30 day late morgage payments
    1 paid charge off
    96 repo 0 balance

    on all reports since 1993
    oh and btw I cant even get a target GUEST card
  7. Debmac

    Debmac Well-Known Member

    I can't get a Target store card either... I know why I can't but I can't imagine why *you* can't!

    Deb @Mich St

    SPACECAT Well-Known Member

    I started the repiar process in Sept. 01
    4 collection accts
    xpn 539
    trans 528
    24derog accts
    1 bk ch7
    a ton of inquiries

    16 derog accts.
    10 positive accts.
    0 collection accts.
    several inquiries deleted from each cra
    xpn 589
    trans 581
    equifax haven't checked score
  9. ohnostuck

    ohnostuck Well-Known Member

    I suck. I just applied for the Get Smart. Guess what? BIG FAT DENY. They pulled Experian for me too.
  10. MistyEyed

    MistyEyed Well-Known Member

    Equifax is my only score I know and its in the 500's..

    One collection account for a utility from 4 years ago
    One Capital One charge off that is listed incorrectly
    One Hechts 6 year old included in BK which is not even listed on my report anymore
    One Finance company charge off from my BK from 6 years ago
    WFNNB included in BK from 6 years ago
    One charge off for something I am still trying to track down exactly what its for but its 5 years old

    One positive car loan, no lates on it, paid off in 95
    One car loan will be paid off in August, no lates
    One FCNB credit card, no lates 6 months old
    One Sterling Card paid, no lates
    One Jewelry account paid off in 93, no lates
    One installment loan of $39, never late, low balance left (under $400)

    Misty Eyed

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