fashion asked 4 years ago Hi,
I’m a new member here and this is my first post.
My main goal in joining MyFico is getting my credit straightened out in hopes of a mortgage before my current lease is up next February.
Thanks you for reading and offering any help/advice!
EQ5: 619
TU4: 625
EX2: 646
Negitive Indicators: 16 on all three reports
Collections: 1 on EQ
Negitive items:
VERIZON
Charge off, open, balance=$ 408, in collections, reporting 90+ late every month even though I haven’t been a customer in 2 years. In dispute. I have since (2 weeks ago) paid their collection company to settle the account for a lesser amount to stop the reporting. Waiting to see how it gets updated on my reports.
WALMART CC
account closed. was late 30 days 2 times: dec 2013 and jan 2014
NELNET
multiple accounts consolidated down to 2 accounts in jan 2015.
both open accounts showing 2 lates 90+ july and august 2015
a dozen closed, consolidated accounts with Nelnet showing 90+ late multiple times up to consolidation in jan 2015
ESL CU
auto loan. paid off jan 2015. 6 lates. Aug 2013-jan2014. 4x30days, 2x60days.
GW sent, no response yet.
COLLECTION
one paid collection for $ 71 march 2013
INCOME
$ 74,000 a year on salery. Same business 25 years, same company over 3 years.
$ 5,000 in a 401K
$ 6,000 in savings
DEBT
Student loans, nelnet= $ 135 combined. Now set to auto-pay.
car loan, $ 270. auto-pay.
CURRENT TL’s
2 student loans that are current since 9/15, consoladated 1/15
car loan never late 2 years into a 5 year loan
one CC 2 years old, never late
LOCATION
Monroe county, NY
TYPE
Single family, primary, first timer, purchase
Thanks for any advice/input.