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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  

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welcome to CB!

 

You need to slow down. Have you obtained PAPER copies of your reports from the four major CRAs?

IF not, don't do anything else until you do... see

https://creditboards.com/forums/index.php?/topic/590506-ordering-paper-credit-reports-information-inside/&tab=comments#comment-5623246

 

IDS: https://www.innovis.com/personal/creditReport

 

So you're carrying a balance on the discover card? carrying a balance does not help your FICO scores.

 

and, ignore credit karma and its scores. You need to obtain real FICO scores.

 

 

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17 hours ago, BFee317 said:

I have sent debt validation letters to all three credit bureaus and this is what was verified.

DV letters are for collection agencies, not for the credit bureaus.  Hopefully the bureaus didn't treat these as disputes, because that may make it more difficult to get a successful outcome on future disputes on the same trade lines.

 

For the medicals, read/post over here:

 

https://creditboards.com/forums/index.php?/forum/39-medical-billing-amp-medical-collections/ 

 

 

Edited by cv91915

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On 9/8/2020 at 4:49 PM, hegemony said:

welcome to CB!

 

You need to slow down. Have you obtained PAPER copies of your reports from the four major CRAs?

IF not, don't do anything else until you do... see

https://creditboards.com/forums/index.php?/topic/590506-ordering-paper-credit-reports-information-inside/&tab=comments#comment-5623246

 

 

 

IDS: https://www.innovis.com/personal/creditReport

 

 

So you're carrying a balance on the discover card? carrying a balance does not help your FICO scores.

 

and, ignore credit karma and its scores. You need to obtain real FICO scores.

 

 

I have my credit reports.

I am never carrying a balance on my discover card. 

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On 9/8/2020 at 4:49 PM, hegemony said:

So you're carrying a balance on the discover card? carrying a balance does not help your FICO scores.

I second this. For your discover card you would want to report a $3 balance on your statement for best results with improving your FICo score. More details: https://creditboards.com/forums/index.php?/topic/544017-the-master-2-reporting-trick-explained/

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19 hours ago, cigrage said:

I second this. For your discover card you would want to report a $3 balance on your statement for best results with improving your FICo score. More details: https://creditboards.com/forums/index.php?/topic/544017-the-master-2-reporting-trick-explained/

AZEO is pretty much mooted out until the derogs are gone. 

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