Seeking Forum Advice on these badies and rebuilding credit. Status below:
EQ TU EX
575 574 569
Payment History Fair Fair Fair
Debt amount Good Good Good
Length of credit history Exceptional Exceptional Exceptional
New credit Exceptional Exceptional Exceptional
Not sure the best way of getting these removed either by paying or asking the CB since some are old and may be part of the SOL (not sure how this works but I am a Florida resident if that helps). Def have the funds to pay off if necessary.
Revolving Verizon $ 166 In house collection Last Activity 2/2013 EQ &TU only
Collection MP Hospital Medical $ 151 Financial credit servi DoFD 8/20/10 EQ only
Collection MP Hospital Medical $ 303 Caprio Partners Date assigned 6/29/15 TU & EX
Collection Doctor Medical $ 36 IC System Inc. Date assigned: 6/13/20 EX only
Collection Radiology Medical $ 65 Concentric RM DoFD 5/2011 EQ & TU
Also, have 3 Navient student loans (was a co-signor) that I just settled for 45%. Orginal loan amount 38K, settled for $ 17,100. They were 120+ days delinquent but not defaulted.
Would appreciate your help in getting the collections taken off and also input on how to rebuild by adding some secured cards. Luckily I am a member of both NFCU and USAA so I should be able to get the secured cards. I also have some funds in savings with WellsFargo. Should I try to get all three secured cards or just one or two? Also, what card limit amount should I secure?
Many thanks in advance!