Hello, I have copied and pasted my current Transunion credit report below. I have not included my identifying information for obvious reasons! Are there any experts in credit repair that can take a look at this to see what I can do to remove the bad stuff, and raise my score?
Thank you very much all.
***FICO CLASSIC 04 SCORE +622 : SERIOUS DELINQUENCY, AND PUBLIC RECORD OR
***COLLECTION FILED; PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON
***BANK REVOLVING OR OTHER REVOLVING ACCOUNTS; NUMBER OF ACCOUNTS WITH
***DELINQUENCY; LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION
***IS TOO SHORT ***
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C R E D I T S U M M A R Y * * * T O T A L F I L E H I S T O R Y
PR=1 COL=3 NEG=7 HSTNEG=0 TRD=21 RVL=5 INST=14 MTG=0 OPN=2 INQ=0
HIGH CRED CRED LIM BALANCE PAST DUE MNTHLY PAY AVAILABLE
REVOLVING: $2447 $2400 $706 $0 $30 71%
INSTALLMENT: $62.0K $ $28.3K $0 $781
OPEN: $0 $ $ $ 0%
TOTALS: $64.4K $2400 $29.0K $0 $811
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P U B L I C R E C O R D S
SOURCE DATE LIAB ECOA COURT ASSETS PAID DOCKET#
TYPE PLAINTIFF/ATTORNEY
Z 5087700 10/05R $0 I FE $0 2/06 560167
CHAPTER 7 BANKRUPTCY DISCHARGED R SCOTT BELL
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C O L L E C T I O N S
SUBNAME SUBCODE ECOA OPENED CLOSED $PLACED CREDITOR MOP
ACCOUNT# VERIFIED BALANCE REMARKS
HP SEARS Y 7568006 C 8/05 $315 15 WEST COAST CASH OUR
B900WES0421296227 8/08A CHAPTER 7 BANKRUPTCY
CRD PRT ASSO Y 4326001 I 4/06 10/05C $604 BRIGHT HOUSE NETWO OUR
1305048275 9/07A CH 7 BKRPT/ ACCT DIS
GRANT MERCAN Y 4441001 I 5/05 $65 MEDICAL OUR
1TRM300051005B4 5/06M CHAPTER 7 BANKRUPTCY
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T R A D E S
SUBNAME SUBCODE OPENED HIGHCRED TERMS MAXDELQ PAYPAT 1-12 MOP
ACCOUNT# VERFIED CREDLIM PASTDUE AMT-MOP PAYPAT 13-24
ECOA COLLATRL/LOANTYPE CLSD/PD BALANCE REMARKS MO 30/60/90
FST PREMIER B 41PF018 7/06 $252 111111111111 R01
486955704590 8/08A $200 $0 111111111111
I CREDIT CARD 11/07C $0 ACCT CLSD BY CONSUMER 25 0/ 0/ 0
CNS PORT SVC F 31UC001 10/06 $14.2K 60M370 111111111111 I01
40010916658 7/08A $0 111111111
I AUTOMOBILE $11.2K 21 0/ 0/ 0
FIRST DATA F 85ZN001 5/08 $1872 48M39 1X1 I01
520460280000 7/08A $0
I LEASE $1755 3 0/ 0/ 0
CITI AUTO F 890D30G 7/07 $17.0K 72M372 111111111111 I01
4009907901 7/08A $0
I AUTOMOBILE $15.3K 12 0/ 0/ 0
HSBC BANK B 7991189 10/07 $336 MIN15 111111111 R01
515599000592 7/08A $300 $0
I CREDIT CARD $219 9 0/ 0/ 0
CAP ONE B 1DTV001 4/07 $535 MIN15 111111111111 R01
517805726917 7/08A $500 $0 11
I CREDIT CARD $487 14 0/ 0/ 0