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3 Negatives low score Need Help


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Hi,

 

I'm trying to increase my CS.

 

The three negatives are

Nordstrom $980

Target $1200

CareCredit $1200

 

I recently was put on my mothers CareCredit account which is 10k limit and last balance was at $2k but she just paid that a few days ago so that will go down to $0

 

I only have two open accounts of my own

HSN $300- $0 balance

CFNA -$1200 -$270 balance which I will pay before next bill cycle

 

Any suggestions on how to build my credit when the three accounts above have 90+days late and have been written off to Collections?

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DOFD

Target- Apt 2016 >150days Pdue then to collection

Care credit >May 2016

Nordstrom > March 2016

 

The collection agencies are not listed on my credit yet and I've tried to pay the creditors but unable. Not sure what to do to rectify the situation.

I live in Georgia and haven't pulled my Fico but CK for Trans- 580/576EQ pulled Experian they are steady 600

Edited by tlamb1924
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You are definitely inside SOL, so unless you have the money to pay these accounts, I would not dispute anything.

 

If your goal is to try and minimize the damage, you could pay all 3 before any collections pop up on your report. Don't pay the Care Credit collection. Try to pay the OC.

 

FAKOs aren't any help. You can find free FICO sources in my signature, and as you rebuild your credit, it would make sense to add a few of them. If you go to the section in that thread on Experian FICO 8 scores, you'll find a link to the Discover Credit Scorecard, and all you have to do is sign up for free.

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