Ready for a Change – Advise Needed

QuestionsReady for a Change – Advise Needed
Lyda Cantwell asked 5 years ago

Hi Everyone, 

 

I have been leaving off me trying to fix my credit but I am ready to take the steps that I need to take to fix it. I had a few credit cards opened in 2011 that my irresponsibility ignored and 2 of which becamed Charged offs. I am new to all of this and not really familiar with the steps that I need to take. I pulled up my three credit reports to today and wanted to take the initiative of repairing my credit. I wanted to go with a credit repair company, but I am willing to learn and work on it my self. This is one of the accounts from one of my reports that I first want to take care of….I do know that Walmart use to be with GE Capital, and is now with Synchrony. How can I fix this baddie? Thanks everyone!

 

===SYNCB/WAL-MART #****

PO BOX 965024

ORLANDO, FL 32896-5024

(877) 294-7880

Date Opened: 09/03/2012

Responsibility: Individual Account

Account Type: Revolving Account

Loan Type: CHARGE

ACCOUNT

Date Updated: 10/06/2014

Payment Received: $ 0

Original ChargeOff: $ 155

Pay Status: >Charged Off<

Terms: Paid Monthly

Date Closed: 06/05/2013

>Maximum Delinquency of 120 days in 07/2013 and in

09/2013 for $ 193<

High Balance: High balance of $ 155 from 03/2014 to 08/2014; $ 155 from 10/2014 to 10/2014

Credit Limit: Credit limit of $ 190 from 03/2014 to 08/2014; $ 190 from 10/2014 to 10/2014

Estimated month and year that this item will be removed: 03/2020

 

 

=== MIDLAND FUNDING LLC #****

2365 NORTHSIDE DRIVESUITE 300

SAN DIEGO, CA 92108

(844) 236-1959

Placed for

collection:

08/27/2014

Responsibility: Individual Account

Account Type: Open Account

Loan Type: DEBT BUYER

Balance: $ 314

Date Updated: 09/09/2016

Original Amount: $ 314

Original Creditor: GE CAPITAL

RETAIL BANK

(Retail)

Past Due: >$ 314<

Pay Status: >In Collection<

Remarks: >PLACED FOR COLLECTION<

Estimated month and year that this item will be removed: 03/2020

 

 

 

Thanks again!

 

 

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