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 ***
—————————————————————————-
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
—————————————————————————-
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
—————————————————————————-
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
—————————————————————————-
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
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Your credit card balances are way too high . Pay them down that’s thebquickest way to increase your Fico score.
Learn everything about repairing and/or building credit
you can delete the public record, BK.you can delete the collections. It should take you about 90 to 120 days to do all of it. but your balances are to high. If you go to a lawyer they will charge you 1500 to 3000 to remove. 9.99 for all information. The only way to get you ballances down is to open a secured credit car to offset ballances or to get a tradeline about 800 it will cost.
Hope I helped.