Need advice!

Need advice!Need advice!
richeventtula asked 4 years ago

After working VERY hard on getting my credit up to 700, I bought a house in May 2014. After that, I went crazy with the apps and got almost all approvals. I started being irresponsible, buying things for my new home and ended up having many accounts go delinquent. So now here I sit with a 544 score. UGH!

 

Here are my accounts, please give me any advice you may have on what to tackle & where to start!?

 

 

Amex – $ 500 limit, $ 490 balance – making monthly minimum payments

Barclays – $ 1500 limit, $ 1400 balance – making monthly minimum payments

Capital One – $ 3000 limit, $ 2900 balance – making monthly minimum payments

Discover – $ 1500 limit, $ 1400 balance – making monthly minimum payments

Victoria’s Secret – $ 1500 limit, $ 100 balance – making monthly minimum payments

Home Depot – $ 500 limit, $ 350 balance – making monthly minimum payments

Belk – $ 200 limit, $ 160 balance – making monthly minimum payments

Best Buy – $ 1000 limit, $ 999 balance – making monthly minimum payments

HSN – $ 1250 limit, $ 0 balance

 

 

Deliquent/Charge Off:

JCPenney – $ 100 limit, $ 135 balance (not with CA yet)

Rooms To Go – $ 2000 limit, $ 1350 balance (not with CA yet)

Bank Of America – $ 2000 limit, $ 2200 balance (not with CA yet)

Kohl’s – $ 1000 Limit, $ 1300 balance (not with CA yet)

Lowes – $ 900 limit, $ 970 balance (not with CA yet)

Portfolio (Overstock) $ 363.92

Portfolio (Walmart) $ 1867.69

Client Services, Inc (Macy’s) $ 494.14

Pier One – $ 564.45

Express – $ 59.83

 

 

Where do I begin???

 

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