I would appreicate any help on fixing my report. I have posted my negative infomation below. I am nervous if I pay the collection agency for Providian and First Preimier that they will post a new tradeline once paid. I have the funds to take care of all the balances, but want everybody's advice on which to pay and how to to do it. My main goal is try to raise my Fico score and get my report cleaned up. Thank you in advance for all your help. PROVIDIAN FINANCIAL (Individual) Credit Grantor Contact Information Not on record Account Number XXXX Account Type Revolving Credit Limit (High Credit) $250 Charge Off Amount $1,453 Minimum Monthy Payment (Terms) Date Opened July, 2001 Date of Status March, 2002 Last Payment Date Not on Record Loan Type Credit Card, Terms REV Collateral Description Account closed at credit grantor's request Last Report on July, 2003 Balance Current status Past Due Amount $1,453 Unpaid balance reported as a loss by credit grantor $942 ------------------------------------------------------------------------------------- BANK ONE NA (Individual) Credit Grantor Contact Information Not on record Account Number XXXX Account Type Revolving Credit Limit (High Credit) $1,059 Charge Off Amount $398 Minimum Monthy Payment (Terms) Date Opened February, 1997 Date of Status December, 1998 Last Payment Date February, 1999 Loan Type Check Credit Or Line Of Credit Collateral Description Last Report on October, 2002 Balance Current status Past Due Amount $298 Unpaid balance reported as a loss by credit grantor ------------------------------------------------------------------------------------- FIRST PREMIER BANK (Individual) Credit Grantor Contact Information Not on record Account Number XXXX Account Type Revolving Credit Limit (High Credit) $350 Charge Off Amount $598 Minimum Monthy Payment (Terms) Date Opened June, 2001 Date of Status January, 2002 Last Payment Date July, 2001 Loan Type Credit Card, Terms REV Collateral Description Last Report on July, 2002 Balance Current status Past Due Amount $598 Unpaid balance reported as a loss by credit grantor $240 ------------------------------------------------------------------------------------- NBGL-CARSONS (Individual) Credit Grantor Contact Information Not on record Account Number XXXX Account Type Revolving Credit Limit (High Credit) $300 $634 Minimum Monthy Payment (Terms) Date Opened July, 1993 Date of Status May, 1998 Last Payment Date Not on Record Loan Type Revolving Charge Account Collateral Description Account paid in full for less than the full balance Last Report on May, 1998 Balance Current status Past Due Amount Account legally paid in full for less than the full balance ------------------------------------------------------------------------------------- ASSET ACCEPTANCE LLC (Individual) Credit Grantor Contact Information Not on record Account Number XXXX Account Type Installment Credit Limit (High Credit) Original Amount $381 Minimum Monthy Payment (Terms) Date Opened May, 2001 Date of Status June, 2001 Last Payment Date Not on Record Loan Type Unknown - Credit Extension, Review, Or Collection Collateral Description Account in dispute Last Report on April, 2002 Balance Current status Past Due Amount $394 Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department $394 (THIS ACCOUNT IS THE SAME AS BANK ONE) ------------------------------------------------------------------------------------- SEARS (Individual) Credit Grantor Contact Information Not on record Account Number XXXX Account Type Revolving Credit Limit (High Credit) $1,470 Charge Off Amount $2,058 Minimum Monthy Payment (Terms) Date Opened November, 1993 Date of Status June, 2003 Last Payment Date Not on Record Loan Type Revolving Charge Account Collateral Description Transferred to/purchased by another lender Last Report on August, 2003 Balance Current status Past Due Amount Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department (MY OTHER REPORTS SHOW IT TRANSFERED BUT PAID AND THEY ARE POSITIVES ACCOUNTS. THEY SOLD IT TO ANOTHER COMPANY, IT IS 5 YEARS OLD)
