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3 Negatives low score Need Help

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4 replies to this topic

#1 tlamb1924

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Posted 20 March 2017 - 05:22 PM


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?

#2 mendelssohn


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Posted 20 March 2017 - 05:41 PM

You'll need to provide a bit more info.

What is the DOFD on each account?

Have they been sent to a CA yet?

Does the CA own the debt?

What state do you live in?

What are your FICOs?

#3 tlamb1924

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Posted 21 March 2017 - 08:18 AM

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, 21 March 2017 - 08:20 AM.

#4 tlamb1924

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Posted 21 March 2017 - 08:27 AM

Also- I received a notice from the collection agency that handles my care credit card - it gives me three options to pay- should I pay in full with a money order and hope they don't put this on my credit?

#5 mendelssohn


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Posted 21 March 2017 - 08:32 AM

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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