Need Expert credit advice on my report

Need Expert credit advice on my reportNeed Expert credit advice on my report
Bsaiierapi asked 4 years ago

I would like to see if someone could help me and guide me in the right direction. Im trying to get my credit going in the right direction

My report is from Equifax

 

Negative Accounts

  

Accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment.

Closed Accounts

Date of last reported update.

Condition of account when last updated by creditor or otherwise.

Account Name

Account Number

Date Opened

Balance

Date Reported

Past Due

Status

Credit Limit

ALABAMA STATE EMPLOY  Show Details

 

11/15/2007 

$ 0   

01/22/2016 

 

PAYS AS AGREED

 

ALABAMA STATE EMPLOY  Show etails

 

10/01/2007 

$ 0   

01/22/2016 

 

PAYS AS AGREED

 

ALABAMA STATE EMPLOY  Show Details

 

10/16/2007 

$ 0   

01/22/2016 

 

PAYS AS AGREED

 

BANK OF AMERICA  Show Details

 

03/01/2004 

$ 0   

04/23/2015 

 

CHARGE-OFF

$ 0   

CAPITAL ONE BANK USA  Show Details

 

03/01/2004 

$ 2,446   

04/23/2015 

$ 2,446   

CHARGE-OFF

$ 1,350   

CAPITAL ONE BANK USA  Show Details

 

11/01/2004 

$ 1,113   

04/23/2015 

$ 1,113   

CHARGE-OFF

$ 550   

LVNV FUNDING LLC  Show Details

 

01/18/2013 

$ 1,900   

02/17/2016 

$ 1,900   

COLLECTION ACCOUNT

$ 0   

PORTFOLIO RECOVERY A  Show Details

 

08/01/2015 

$ 1,170   

02/17/2016 

$ 1,170   

COLLECTION ACCOUNT

 Paid 3/10/16

SYNCB/BELK  Show Details

 

06/01/2005 

$ 0   

02/15/2016 

 

CHARGE-OFF

$ 0   

SYNCB/SAMS CLUB  Show Details

 

02/01/2005 

$ 0   

04/23/2015 

 

CHARGE-OFF

$ 0   

VETERAN’S ADMN  Show Details

 

08/01/2009 

$ 0   

04/23/2015 

 

COLLECTION ACCOUNT

 

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