Best course of action for 547 score

Discussion in 'Credit Talk' started by Golfer, Jul 26, 2004.

  1. Golfer

    Golfer Member

    She is currently enrolled in a credit counseling program and several of the accounts showing balances have been sent to collections. Should she continue with the credit counseling program or contact the OCs directly and try to deal with them? Would they deal or is it now in the hands of the CAs? Thanks for the help.


    electronics store card (Individual)
    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $1,526
    Minimum Monthy Payment (Terms) $34

    Date Opened May, 2001
    Date of Last Activity September, 2003
    Description Consumer credit counseling
    Charge

    Last Report on July, 2004
    Balance Current status Past Due Amount
    $1,514 120+ days past due $251

    Recent Payment History

    Seven Year Payment History
    30 days late: 4

    4 30 days delinquent 60 days late: 3

    3 60 days delinquent 90+ days late: 9

    5/2004

    4/2004

    3/2004

    6 additional 90+ days delinquent
    --------------------------------------------------------------------------------

    VISA card (Joint)

    Credit Grantor Contact Information
    Not on record

    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $4,500
    Minimum Monthy Payment (Terms) $0

    Date Opened July, 1999
    Date of Last Activity May, 2002
    Description Account closed by consumer
    Paid account / zero balance


    Last Report on July, 2004
    Balance Current status Past Due Amount
    $0 Pays account as agreed



    Recent Payment History

    Seven Year Payment History
    30 days late: 0 60 days late: 0 90+ days late: 0
    --------------------------------------------------------------------------------

    revolving credit account (Individual)

    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $1,522
    Minimum Monthy Payment (Terms) $27

    Date Opened December, 2001
    Date of Last Activity November, 2002
    Description Charged off account
    Credit Card


    Last Report on July, 2004
    Balance Current status Past Due Amount
    $1,372 Bad debt/collection $495



    Recent Payment History

    Seven Year Payment History
    30 days late: 2

    2 30 days delinquent 60 days late: 2

    2 60 days delinquent 90+ days late: 4

    4/2003

    3/2003

    2/2003

    1 additional 90+ days delinquent
    --------------------------------------------------------------------------------

    revolving store card (Joint)

    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $159
    Minimum Monthy Payment (Terms) $0

    Date Opened July, 1999
    Date of Last Activity December, 2001
    Description Account closed by consumer
    Charge


    Last Report on July, 2004
    Balance Current status Past Due Amount
    $0 Pays account as agreed



    Recent Payment History

    Seven Year Payment History
    30 days late: 0 60 days late: 0 90+ days late: 0
    --------------------------------------------------------------------------------

    revolving store card


    Account Number Not on record
    Account Type Unknown
    Credit Limit
    (High Credit)

    Minimum Monthy Payment (Terms) $0

    Date Opened July, 1999
    Date of Last Activity January, 2000
    Description Charge


    Last Report on July, 2004
    Balance Current status Past Due Amount
    Lost or stolen card



    Recent Payment History

    Seven Year Payment History
    30 days late: 0 60 days late: 0 90+ days late: 0
    --------------------------------------------------------------------------------

    revolving account


    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $318
    Minimum Monthy Payment (Terms) $20

    Date Opened August, 2000
    Date of Last Activity January, 2003
    Description Charged off account
    Charge


    Last Report on July, 2004
    Balance Current status Past Due Amount
    $297 Bad debt/collection



    Recent Payment History

    Seven Year Payment History
    30 days late: 1

    1 30 days delinquent 60 days late: 1

    1 60 days delinquent 90+ days late: 16

    6/2004

    5/2004

    4/2004

    13 additional 90+ days delinquent
    --------------------------------------------------------------------------------

    revolving store card (Individual)

    Credit Grantor Contact Information
    Not on record

    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $571
    Minimum Monthy Payment (Terms) $10

    Date Opened August, 2000
    Date of Last Activity July, 2004
    Description Consumer credit counseling
    Charge


    Last Report on July, 2004
    Balance Current status Past Due Amount
    $230 Pays account as agreed



    Recent Payment History

    Seven Year Payment History
    30 days late: 2

    2 30 days delinquent 60 days late: 1

    1 60 days delinquent 90+ days late: 15

    4/2004

    3/2004

    2/2004

    12 additional 90+ days delinquent
    --------------------------------------------------------------------------------

    department store card (Joint)


    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $800
    Minimum Monthy Payment (Terms) $0

    Date Opened April, 2000
    Date of Last Activity July, 2002
    Description Charge
    Amount in H/C column is credit limit


    Last Report on July, 2004
    Balance Current status Past Due Amount
    $0 Pays account as agreed



    Recent Payment History

    Seven Year Payment History
    30 days late: 0 60 days late: 0 90+ days late: 0
    --------------------------------------------------------------------------------

    department store card (Individual)



    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $2,700
    Minimum Monthy Payment (Terms) $0

    Date Opened April, 2001
    Date of Last Activity September, 2003
    Description Account transferred or sold
    Credit Card


    Last Report on June, 2004
    Balance Current status Past Due Amount
    $0 Bad debt/collection



    Recent Payment History

    Seven Year Payment History
    30 days late: 4

    4 30 days delinquent 60 days late: 2

    2 60 days delinquent 90+ days late: 5

    2/2004

    1/2004

    12/2003

    2 additional 90+ days delinquent
    --------------------------------------------------------------------------------

    revolving account (Individual)


    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $716
    Minimum Monthy Payment (Terms) $0

    Date Opened August, 2000
    Date of Last Activity October, 2002
    Description Account transferred or sold
    Charge


    Last Report on September, 2003
    Balance Current status Past Due Amount
    $0 120+ days past due



    Recent Payment History

    Seven Year Payment History
    30 days late: 3

    3 30 days delinquent 60 days late: 1

    1 60 days delinquent 90+ days late: 5

    8/2003

    7/2003

    6/2003

    2 additional 90+ days delinquent
    --------------------------------------------------------------------------------

    credit union installment account (Individual)

    Credit Grantor Contact Information
    Not on record

    Account Type Installment
    Credit Limit
    (High Credit)
    $500
    Minimum Monthy Payment (Terms)
    (9 Months)
    Date Opened November, 2001
    Date of Last Activity May, 2002
    Description Unsecured


    Last Report on November, 2002
    Balance Current status Past Due Amount
    $0 30 days past due



    Recent Payment History

    Seven Year Payment History
    30 days late: 3

    10/2002

    2 additional 30 days delinquent 60 days late: 2

    9/2002

    8/2002 90+ days late: 0
    --------------------------------------------------------------------------------

    finance account

    Account Number Not on record
    Account Type Unknown
    Credit Limit
    (High Credit)

    Minimum Monthy Payment (Terms) $0

    Date Opened July, 2000
    Date of Last Activity December, 2001
    Description Charge
    Amount in H/C column is credit limit


    Last Report on December, 2001
    Balance Current status Past Due Amount
    Account is inactive



    Recent Payment History

    Seven Year Payment History
    30 days late: 0 60 days late: 0 90+ days late: 0
    --------------------------------------------------------------------------------

    revolving account (Individual)

    Account Number Not on record
    Account Type Revolving
    Credit Limit
    (High Credit)
    $132
    Minimum Monthy Payment (Terms) $20

    Date Opened October, 2000
    Date of Last Activity February, 2001
    Description Account closed by consumer
    Paid account / zero balance


    Last Report on November, 2001
    Balance Current status Past Due Amount
    $0 Pays account as agreed



    Recent Payment History

    Seven Year Payment History
    30 days late: 0 60 days late: 0 90+ days late: 0
     
  2. mark

    mark Well-Known Member

    too much info..you shouldnt post that much personal info on here..many CA's read this site. just trying to be helpful. if you can edit it, i'd do it..especially those partial account numbers and such
     
  3. Golfer

    Golfer Member

    sorry Im a bit new here however my time passed for the edit I emailed the admin though. I was thinking she could just contact a few of the smaller debts and pay those off and then start sending in payments or make payment arrangments with the CAs. Does she have too many marks to try and repair. My feeling is she is pretty far down the drain, but I have heard about great sucess with people on this forum. Thanks for the advice.
     
  4. CCN steve

    CCN steve Moderator

    Re: Best course of action for 547 s

    Creditnet note: Account numbers and names deleted.
     
  5. Golfer

    Golfer Member

    Re: Re: Best course of action for 547 s

    thanks a bunch. Anyone?
     
  6. Golfer

    Golfer Member

    Re: Re: Best course of action for 547 s

    Are we allowed to bump threads here?

    TTT
     

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