hi everyone. first post here. i'm a 23 year old from nj. my credit was great a few months ago (april/may), but after i graduated from college in may i didnt start work until august (i was also sick with mono). i had no lates at all over 3-4 years up until this time. my credit is terrible right now (went from about 680 to 500). i need some help. Aspire 6/04 B 2536 L 2200 30,60,90 *spoke to them now balance is 2200 and credit limit is 2400 Capital One 7/03 B 3300 L 3300 no lates *paid and now balance is 3100 Chase 12/05 (2 cards) - this is the ugly one B 9000 L 7000 30,60,90 for both *they offered to settle for half but need 4500 paid in 90 days. they also offer a hardship program too. Citi 2/06 B 0 L 1200 no lates *plan on putting some money into this account Dell Financial Services 5/04 B 0 L 2000 no lates Ameriquest 12/04 B 1700 L 1500 30,60,90 *paid and now balance is 1300 HSBC 8/04 B 600 L 700 no lates Shell 5/04 B 400 L 550 30,30,60 sorry this is long and boring. basically citi and dell are both open empty cards. i plan on transferring some money to the citi account. i'm current with everything now, but shell, ameriquest, aspire, and chase (2) all have lates associated. can i have some direction? thanks so much in advanced. i just started my first job out of college and it's good money (should make 70k my first year) so i can fix it, but just need some help doing it the right way. i can't get a car loan which i really was hoping to get now that i'm out of school and i got this great job. thanks again! i also need some help finding the appropriate letter to send...
