What do you think the Fico Score is based on this info…?

Blommingdale’s: Collection Account
Total amount = 5,000 + Fees
2006 to 2007

Capital One = Charge Off Account
Total amount = 10,000 + Fees
2005 2007

Nordstrom = Collection Account
Amount = 5,000 + Fees
2006 to 2007

Macys = Collection Account
Amount = 2,500 + Fees
2005 to 2007

Wamu Card = Charge off Account
Amount = 5,000 + Fees
2005 to 2007

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Here are the positive Accounts.
Discover Card
Limit =15,000
Balance = 3,400
2003 to present
No lates or anything perfect.

Chase Card
Limit =10,000
Balance = 2,000
2002 to present
No lates

Juniper Card
Limit = 5,000
Balance = 2,500
2005 to present
No lates or anything perfect.

HSBC Bank
Limit = 15,000
Balance = 5,000
2001 to present
No lates

Dell Financial Services
5,000
Balance = 0
2006 = paid as agreed

GMAC Financial
Car loan
45,000
Balance = 0
2002 to 2007 = Closed paid as agreed

Bank Of America Mortgage
Initial Balance = 300,000
Balance = 130,000
No lates
2001 to present
Those charge off and collection accounts are joint accounts with my ex wife.

We split on good terms so initially i din’t even bother to ask her about the cards

She maxed them out and then stopped paying .

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