Hi everyone, I am wanting to clean my credit up for a mortgage and also just to actually get approved for better auto loans. I will post my scores and what is on my reports…not sure if I should pay everything smaller down or work on the larger items. I am going to try and get settled for a lesser ammount on some. I used to have an average score of 490 last year at this time, now I have EX 573 TU 577 and EQ 563 it has been steadily progressing.
I have two previous Auto Loans on my report that were paid 100% on time, last year I bought a truck for $ 14,000 at 17%, I just got it refinanced this month (thanks to the increased score) to 11.99% and I have paid it 100% on time as well
I don’t have any credit cards on the accounts
Here are my baddies:
Verizon Wireless from Feb 2014 $ 2,177.00 (closed account, didn’t pay the fees and kept phones)
Progressive Insurance $ 195.00
Doctor Office Dec 2014 $ 126.00
Fingerhut Jan 2017 $ 90.00
Doctors Office Oct 2016 $ 60.00 (Paid off yesterday, not showing yet)
Medical Bill Aug 2015 $ 420.00
Medical Bill May 2011 (almost 7 years) $ 239.00
Medical Bill May 2011 (almost 7 years) $ 217.00
The Big One (Tax Lein Sales State Tax) $ 5,051.00 I don’t actually owe that much, from an old account for tax I didn’t close, but they filed judgement so not sure if I can go back or not or if I need to pay this full ammount) This actually didn’t affect my credit score itself, but I know it will for a mortgage or equity loan.
Any tips where to start? Thanks!