I finally decided to attack my credit issue rather than pretend they don't exist. Here is the situation
Here is my CreditKarma information...
TransUnion and Equifax (both show the same items
Credit Cards $0
I have a $500 secured Discover IT card that I used for YouTube TV payment and that is it. Between 10% and 30% utilization opened May 2020.
My mother added me as an authorized user to her Costco Capital One card that has perfect payment history, 8 years open and a $15,000 limit.
Collections $5,317
Armada Corp
Total Accounts 6 (medical) Oldest age of account 2019
$3,193
Puget Sound Collections
Total Accounts 2 (medical) Oldest age of account 2019
$1,814
Solverity
Total Accounts 1 (medical) Oldest age of account 2019
$310
Student Loans
$0
Accounts Were Garnished from my paycheck and paid
Closed Accounts 4
Dept of Education/NELNET (Closed 4/2016)
Dept of Education/NELNET (Closed 4/2016)
US Department of Education (Closed) Opened 09/2012
US Department of Education (Closed) Opened 09/2012
I have sent debt validation letters to all three credit bureaus and this is what was verified. Where do I go from here. I was added as an authorized user to my mothers credit card (Capital One Costco) about a month ago. I hope this helps my score improve but it hasn't reported yet. I saw a 25+ point boost from my secured discover card but it hasn't helped since then. Can anyone offer some guidance as to a path for a better credit score?
Thanks,
BFee