Can someone critique my creditâ?¦.if you feel like reading a screwed up credit story. Ok, let me first sum this up. I got my first credit card in 1997. Fashion Bug for 200 bucks, I closed the account in 1999, store sucks. -Discover in 6/97 with 1000 limit. -Citibank in 10/97 with 800 limit. -ANBCC in 11/97 with 500 limit. -Victoria's Secret 7/97 with 100 limit. Ameridebt entered April 1999. They made arrangements for me and soon after, Discover, CB and ANBCC all closed my accounts on me (but I still had balances). Capital One opened 1/00 with 200 limit, 59 dollar annual limit. OSI Collection -- Sprint went to collections for 743 dollars, dates on credit report listed as 3/00 and 5/00. I made payments and 545 remaining balance paid 6/1/00. My last late payment is listed as 4/00 because Ameridebt sucks, screwed me over, released payments late. I continued making payments to them until Spring 2000 and officially told them to stick it October 2000. Aria opened 3/01 with 1000 limit 59 dollar annual fee, 23.99. Citibank was paid off 2/01, no lates. Discover and ANBCC 5/01. At this time Discover had 5 lates and ANBCC had 5 lates as well. I signed up with Lexington earlier this year and now my credit reports look like this: Experian: ANBCC - 4 lates -30 dates, 3 in 98 And 1 in 00 60 days: 3-00 Verified 9/01 OSI Collections - paid collection as of 6/00; verified 10/01 and unchanged ATT Wireless -Current Capital One Bank - Current no lates Student Loans - current, no lates Citibank Visa - closed, never late, closed at credit grantor's request. Citifinancial - open, never late. Fashion bug - paid never late, verified 5/01 will remain on record until 8/09. Providian Financial - open never late. Vic. Secret - open never late. Inquiries: 10 inq, 2 in last 6 months. TU: ANBCC - 1 late 10/98 -30days 1 60 days 11/98 Student Loans - current, no lates Citibank Visa - closed, never late, closed at credit grantor's request. Citifinancial - open, never late. Fashion bug - paid never late. Providian Financial - open never late. Vic. Secret - open never late. Inq: 10 last 2 years; 3 in last 6 months. Equ: ANBCC - 5 lates, 30-4times, 60-1time ATT Wireless -Current Capital One Bank - Current no lates Student Loans - current, no lates Citibank Visa - closed, never late, closed at credit grantor's request. Citifinancial - open, never late. Fashion bug - paid never late. Providian Financial - open never late. Vic. Secret - open never late. Inq: 1 in past two years; 0 in past 6 months. Victoria's Secret raised over years to $960. No lates. Capital One raised 12/00 to $400 (woopty doo) Aria raised to $1650 in July. Exp: 626 TU: 642 EQ: 682 My student loans are about 16000 dollars. My revolving debt is less than 10 percent of that. My income is 28000. What should I do next, should I continue the credit repair on my own and if so, what should I go for next, getting inquiries removed, account status, whole accounts? Should I try another credit repair firm? Should I go after ANBCC? Lexington kept going after Citibank since they closed that account on me, but I had no lates, should I try to get that account removed. Should I look for balance transfers and lower interest on cards or just let everything sit for a while and wait to apply for more credit in about 6 months? Is it just me or should my TU score be a little higher at least?
Just an FYI: I wrote TU about a store card that I had that was closed by the credit grantor. Told them that was incorrect and that it was closed by me. They updated it and sent me an amended report within 2 weeks. I was told that that statement was frowned upon, reason why I got it removed. Just a tidbit of info.
