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SuperNurse

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  1. @Flashman Fingers crossed scores go up! My main fear are these older accounts when it comes to home loan lenders. I would like to focus my main resources on paying off the current and new debt but I also can’t ignore that even thought some lenders don’t pay attention to older charge offs (depending on amount) I would like to clean up my score in order to have no major issues when actively getting to that point when we say “We feel ready to buy a home.” With that being said, we are not looking to purchase a home with the scores and things I have therefore I wanted to give us the next several months to maybe almost a year to work on getting things fixed in regards to credit! thank you for your encouragement and advise!!
  2. @Flyingifr thank you so much for your advice, it’s very appreciated. Would the The time line start be there first late payment I had or when the account was originally opened? I will provide both: Victoria Secret for an amount of $250-(Comenity bank) - CHARGE OFF— date opened - Jan 2017 and date charged off and updated - JUL 2018 Hwellplus $3,500 - CHARGE OFF—- date opened - NOV 2016 and charged off and updated: FEB 2018 Ashley Homestore $1,800 (settled and paid for less than owed) - settled and paid in 2021- account is still on report ( I need to have it removed via mail as per their department.) Care Credit $5,180 (in a settlement, have about 900$ left my to pay) - CHARGE OFF— Emailing PFD letter. Webbank Fingerhut $600- CHARGE OFF Acceptance Now $1,683- CHARGE OFF—- Opened: JAn 2019. Charged off on and updated: DEC 2019 Collection-Credit One Bank $594 (LVNV funding)- OPENED On: SEP 2016 and STATUS UPDATE SEPTEMBER 2016– I believe looking at this that this account is reporting wrongful info be because they are reporting the open and closed date due to delinquency on the same month and year. This was a credit card with a monthly payment. It just states the “Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department.” Collection- Comenity Capital Bank $1,084- Opened date: FEB 2018 and closed on FEB 2018. STATUS DATE FEB 2018 - showing the same Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department.” Collection- Comenity Bank $598 - OPEN DATE - JUN 2018 and closed date JUN 2018. STATUS DATE JUN 2018– same as previous two. Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department.” thank you for your assistance!
  3. @legaleagle2012 thank you for your advice. I will start to contact them individually and see who would allow me to pay PFD. I know some of these are expected to fall of next 2023 towards the fall and even thought it’ll save me money to wait and have them fall off but I am not really looking forward to waiting almost 2 more years to work on that aspect and getting approved for a home loan so I look forward to starting to work on these now as well as lowering down my usage for the new accounts. Do the FL statue of limitations apply to accounts which were opened in other states. I moved here a year ago and previously lived in NYC my whole life which is were these accounts were opened. I did have a question in regards to disputes. There is someone offering me assistance with credit cleaning up etc, which apparently approaches the accounts with a PFD perspective, instead of just finding something wrong with such accounts and having them removed which I know home loan lenders do not wish to see. If disputes are filled and resolved. How can one remove these?
  4. @Flashman Hey, thank you for your reply, yes I am in the process of doing so. I plan to get rid of those balances entirely by mid-July 2022.
  5. Hey all, I am a 29 year old living in the state of FL, who has a an EXP score of 587, a Equifax score of 595 and a Trans score of 613. This is my first time in a credit forum and I can use any advice I can get. While young and before becoming a parent I made some mistakes and damaged my credit. I also became very Ill after having my son and became unemployed, which further hindered my financial situation. I will be honest, I was not the most responsible young adult and now being almost 30 and with a great salary, with a family and with dreams of being a home, these mistakes from the past are hunting me down! I don’t believe ppl are their past mistakes but when it comes to credit I’m sure that rule does not apply. I have since then become a professional, parent, wife and financially responsible and I am now trying to my best to rectify and fix the mistakes I made. I have the following negative accounts on my credit report: Victoria Secret for an amount of $250-(Comenity bank) - CHARGE OFF Hwellplus $3,500 - CHARGE OFF Ashley Homestore $1,800 (settled and paid for less than owed) Care Credit $5,180 (in a settlement, have about 900$ left my to pay) - CHARGE OFF Webbank Fingerhut $600- CHARGE OFF Acceptance Now $1,683- CHARGE OFF Collection-Credit One Bank $594 (LVNV funding)- STATUS DATE SEPTEMBER 2016 Collection- Comenity Capital Bank $1,084- STATUS DATE FEB 2018 Collection- Comenity Bank $598 - STATUS DATE 2018 I also have a total of 36 hard inquiries.- due to a recent vehicle purchase. what I have in good standing: 40k loan through Global Lending for a SUV I purchased in 2022 jointly with my husband. 25k - through capital one auto loan - opened in 2022 $300 credit limit - Premier bank with a revolving balance of 200$ balance. 400$ Credit limit- credit one bank with a revolving 350$ balance. 200$ credit limit - capital one with a revolving 155$ balance 24k in student loans- through multiple lenders (in good standing) I have no fire closures, no judgements or rental evictions. I also have had on time payments reporting for the last 2 years. I will love to start this credit fixing journey and do whatever it takes to clean up my report and be able to purchase a home for my family. thank you!!!
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