How do I rebuild horrible credit?

How do I rebuild horrible credit?How do I rebuild horrible credit?
KeithSix asked 4 years ago

Hey, how do I rebuild extremely horrible credit? Below is my 3 reports from the CRAs. I also have a unpaid Verizon FIOS in the amount of 1,968.10 and I have not seen it reporting anymore to my credit reports. Now besides credit reports, I have 2 accounts on my Chex report so I am on the radar. One is from People First FCU and the balance is an estimate of $ 400 and the other is Provident Bank in NJ & PA and that one has a balance of $ 1,240.99.

 

 

TransUnion:
VERIZON WIRELESS
PO BOX 26055
MINNEAPOLIS, MN 55426
(800) 852-1922
Date Opened: 02/16/2010
Responsibility: Individual Account
Account Type: Open Account
Loan Type: TELECOMMUNICATIONS/CELLULAR
Balance: $ 437
Date Updated: 01/31/2016
Payment Received: $ 0
High Balance: $ 437
Past Due: >$ 437<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this will be removed: 09/2022
Pay Status: >In Collection<
Date Closed: 01/31/2016
VERIZON WIRELESS
PO BOX 26055
MINNEAPOLIS, MN 55426
(800) 852-1922
Date Opened: 12/19/2009
Responsibility: Individual Account
Account Type: Open Account
Loan Type: TELECOMMUNICATIONS/CELLULAR
Remarks: >PAID COLLECTION<
Estimated time and date that this will be removed: 12/2016
Pay Status: >Amount Paid in Full; was a Collection<
CONVERGENT OUTSOURCING
PO BOX 9004
RENTON, WA 98057
(800) 444-8485
Placed for Collection: 03/12/2012
Responsibility: Individual Account
Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $ 628
Date Updated: 12/26/2015
Last Payment Made: 09/28/2015
Original Amount: $ 778
Original Creditor: SPRINT (Cable/Cellular)
Past Due: >$ 628<
Past Status: >In Collection<
CAPITAL ONE BANK USA NA
PO BOX 30281
SALT LAKE CITY, UT 84130
(800) 955-7070
Date Opened: 06/12/2015
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Credit Limit: Credit Limit of $ 201 from 07/2015 to 07/2015; $ 231 from 08/2015 to 10/2015; $ 290 from 11/2015 to 12/2015; $ 590 from 01/2016 to 02/2016
Date Updated: 02/11/2016
Last Payment Made 02/06/2016
Pay Status: Current; Paid or Paying as Agreed
Terms: $ 25 per month, paid Monthly
Balance: 02/2016 $ 617; 01/2016 $ 477; 12/2015 $ 365; 11/2015 $ 295; 10/2015 $ 229; 09/2015 $ 210; 08/2015 $ 224; 07/ 2015 $ 200
Scheduled Payment: 02/2016 $ 25; 01/2016 $ 25; 12/2015 $ 25; 11/2015 $ 25; 10/2015 $ 25; 09/2015 $ 25; 08/2015 $ 25; 07/2015 $ 25
Past Due: 02/2016 $ 0; 01/2016 $ 0; 12/2015 $ 0; 11/2015 $ 0; 10/2015 $ 0; 09/2015 $ 0; 08/2015 $ 0; 07/2015 $ 0
High Balance: 02/2016 $ 617; 01/2016 $ 589; 12/2015 $ 457; 11/2015 $ 295; 10/2015 $ 230; 09/2015 $ 230; 08/2015 $ 224; 07/2015 $ 200
Remarks: 02/2016 DRG; 01/2016 DRG
Rating: All OK
WELLS FARGO CARD SERVICE
CREDIT BUREAU RESOLUTION
PO BOX 14517
DES MOINES, IA 50306
(800) 642-4720
Date Opened: 01/21/2016
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: Secured Credit Card
Remarks: CLOSED BY CREDIT GRANTOR; CLOSED
Balance: $ 0
Date Updated: 01/27/2016
Payment Received: $ 0
High Balance: $ 0
Credit Limit: $ 400
Pay Status: Current; Paid or Paying as Agreed
Terms: Paid Monthly
Date Closed: 01/26/2016
VERIZON WIRELESS/SOUTHEAST
PO Box 26055
Minneapolis, MN- 554260055
(800) 852-1922
Account Owner: Individual Account
Type of Account: Open
Term Duration:
Date Opened: 02/16/2010
Date Reported: 01/31/2016
Date of Last Payment:
Scheduled Payment Amount:
Date Major Delinquency First Reported: 01/2016
Creditor Classification:
Charge Off Amount:
Balloon Payment Amount:
Date Closed:
Date of First Delinquency: 10/2015
Comments: Collection account
Status:
High Credit: $ 437
Credit Limit:
Terms Frequency:
Balance: $ 437
Amount Past Due: $ 437
Actual Payment Amount:
Date of Last Activity: N/A
Months Reviewed: N/A
Activity Designator: N/A
Deferred Payment Start Date:
Balloon Payment Date:
Type of Loan: Telecommunication/Cellular
VERIZON WIRELESS/SOUTHEAST
PO Box 26055
Minneapolis, MN-554260055
(800) 852-1922
Account Owner: Individual Account
Type of Account: Open
Term Duration:
Date Opened: 12/12/2009
Date Reported: 02/12/2014
Date of Last Payment: 10/2010
Scheduled Payment Amount:
Date Major Delinquency First Reported: 06/2010
Creditor Classification:
Charge Off Amount:
Balloon Payment Amount:
Date Closed:
Date of First Delinquency: 02/2010
Comments: Paid collection
Status:
High Credit: $ 239
Credit Limit:
Terms Frequency:
Balance: $ 0
Amount Past Due:
Actual Payment Amount:
Date of Last Activity: N/A
Months Reviewed: 2
Activity Designator: N/A
Deferred Payment Start Date:
Balloon Payment Date:
Type of Loan: Telecommunication/Cellular
CONVERGENT OUTSOURCING INC
800 SW 39th St
Renton, WA 980574975
(800) 444-8485
Date Reported: 12/2015
Date Assigned: 03/2012
Creditor Classification: Cable/Cellular
Creditor Name: SPRINT
Account Number:
Account Owner: Individual Account.
Original Amount Owned: $ 778
Date of 1 st Delinquency: 06/2010
Balance Date: 12/2015
Balance Owned: $ 628
Last Payment Date : 28/09/2015
Status Date: 12/2015
Status: D – Unpaid
Comments: N/A
CAPITAL ONE
PO Box 30281
Salt Lake City, UT-841300281
(800) 695-6950
Account Number:
Status: PAYS AS AGREED
Account Owner: Individual Account. High Credit: $ 617
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $ 590
Term Duration: Terms Frequency: Monthly (due every month)
Date Opened: 06/12/2015 Balance: $ 617
Date Reported: 02/11/2016 Amount Past Due:
Date of Last Payment: 02/2016 Actual Payment Amount:
Scheduled Payment Amount: $ 25 Date of Last Activity: 02/2016
Date Major Delinquency First Reported: Months Reviewed: 7
Creditor Classification: Activity Designator: N/A
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Credit Card
Date of First Delinquency: N/A
Comments:

Wells Fargo Card Services
PO Box 5445
Portland, OR-972285445
(877) 778-5697
Account Number:
Status: PAYS AS AGREED
Account Owner: Individual Account. High Credit: $ 0
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $ 400
Term Duration: Terms Frequency: Monthly (due every month)
Date Opened: 01/21/2016 Balance: $ 0
Date Reported: 01/27/2016 Amount Past Due:
Date of Last Payment: Actual Payment Amount:
Scheduled Payment Amount: Date of Last Activity: N/A
Date Major Delinquency First Reported: Months Reviewed: N/A
Creditor Classification: Activity Designator: Paid and Closed
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: 01/2016 Type of Loan: Secured Credit Card
Date of First Delinquency: N/A
Comments: Account closed by credit grantor

OUTSOURCING

Address:
800 SW 39TH ST
RENTON, WA 98057
(800) 444-8485
Original Creditor:
SPRINT

Status: Collection account. $ 628 past due as of Dec 2015.
Status Details: This account is scheduled to continue on record until Mar 2017.

Date Opened:
03/2012
Reported Since:
06/2015
Date of Status:
05/2015
Last Reported:
12/2015
Type:
Collection
Terms:
1 Months
Monthly Payment:
$ 0
Responsibility:
Individual

Credit Limit/Original Amount:
$ 778
High Balance:
NA
Recent Balance:
$ 628 as of 12/2015
Recent Payment:
$ 0

VERIZON WIRELESS

Address:
PO BOX 26055
MINNEAPOLIS, MN 55426
(800) 852-1922

Status: Collection account. $ 437 past due as of Jan 2016.
Status Details: This account is scheduled to continue on record until Jul 2022.

Date Opened:
02/2010
Reported Since:
01/2016
Date of Status:
01/2016
Last Reported:
01/2016
Type:
Cell Phone
Terms:
1 Months
Monthly Payment:
$ 0
Responsibility:
Individual

Credit Limit/Original Amount:
NA
High Balance:
$ 437
Recent Balance:
$ 437 as of 01/2016
Recent Payment:
$ 0

VERIZON WIRELESS

Address:
PO BOX 26055
MINNEAPOLIS, MN 55426
(800) 852-1922

Status: Collection account. $ 437 past due as of Jan 2016.
Status Details: This account is scheduled to continue on record until Jul 2022.

Date Opened:
02/2010
Reported Since:
01/2016
Date of Status:
01/2016
Last Reported:
01/2016
Type:
Cell Phone
Terms:
1 Months
Monthly Payment:
$ 0
Responsibility:
Individual

Credit Limit/Original Amount:
NA
High Balance:
$ 437
Recent Balance:
$ 437 as of 01/2016
Recent Payment:
$ 0
Payment History:
2016
JAN
C

Account History:
Collection as of Jan 2016

Accounts in Good Standing back to top

These items may stay on your credit report for as long as they are open. Once an account is closed or paid off it may continue to appear on your report for up to ten years.

CAPITAL ONE

Address:
PO BOX 30285
SALT LAKE CITY, UT 84130
(800) 227-4825

Status: Open/Never late.

Date Opened:
06/2015
Reported Since:
07/2015
Date of Status:
02/2016
Last Reported:
02/2016
Type:
Credit card

WELLS FARGO BANK

Address:
PO BOX 14517
DES MOINES, IA 50306
(800) 642-4720

 

Status: Paid, Closed/Never late.
Status Details: This account is scheduled to continue on record until Jan 2026.

Date Opened:
01/2016
Reported Since:
01/2016
Date of Status:
01/2016
Last Reported:
01/2016
Type:
Secured Card
Terms:
NA
Monthly Payment:
$ 0
Responsibility:
Individual

Credit Limit/Original Amount:
$ 400
High Balance:
NA
Recent Balance:
NA
Recent Payment:
NA

Comment: Account closed at credit grantor’s request.

 

 

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