Bo, My credit score just dropped from 275 to 476 from the last time Ichecked, which was May 2007. This is a break down of what Equifax isshowing,
1. Capital One Bank (credit card) Charge Off $721.00, Date of last activity12/2001
2. Credit Acceptance Corporation (Car loan), Bal 5,453, (repo)
3. First Premier Bank (credit card), Charge Off 528.00, Date of lastactivity 12/2002
4. First Premier Bank (credit card), Charge Off 793.00, Date of lastactivity 12/2002
5. HSBC Bank NV FKA (credit card), Charge Off 1,543.00, Date of lastactivity 10/2003
6. PRESIDIO/CM (credit card), Charge Off, 2,361.00, Date of last activity12/2002
7. Toyota Motor Leasing (car loan), Charge Off 9,208, Date of last activityu07/2002
8. Collection (dental bill), 258.00,
9. Asset Recovery System INC. (credit card collection), 1,544.00, Date pf;ast activity 04/2004.Reason, went thru a divorce in 2004.....most of this is joint asset thatwas in my name only.
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"majors@oskie.com" / to Real Live Huma Being / show details / Jun 11
I would try to re open the premier accounts,by paying them off and after 1-2 years asking for removal of the old data since they only report the last 24 months only.
make sure you have at least three open and rated credit lines.
pay off capital one but do not re open them.
pay off the dental bill.
always negotiate your payments.