SNAPSHOT: The Beginning

So lets begin by posting the bad stuff we have on our credit.  This list is a combination of both our reports.  Some are on both, but for the most part half is his and half is hers.  For privacy reasons I will not disclose which is which, along with the account numbers associated with these companies.  I will be posting snapshots each month to show where our scores are, as well as what baddies we have and what good trade lines we have developed or kept.

BADDIES:

	Company Owed	Expected Removal	$$$ Owed
1	United Compucredit	4/1/2012	$67.00
2	Absolute Collect Svc	8/1/2013	$75.00
3	MAF Collection Services	1/1/2014	$100.00
4	Gulf Coast Collection	4/1/2014	$100.00
5	AFNI	4/1/2012	$158.00
6	Enhanced Recovery Corp	5/1/2014	$171.00
7	AFNI	12/1/2012	$199.00
8	Certified Recovery System	5/1/2011	$305.00
9	BCA Financial Services	9/1/2015	$397.00
10	CCS/First National Bank	5/1/2011	$455.00
11	AFNI	6/1/2010	$781.00
12	Creative Recovery Concepts	7/1/2010	$9,538.00
13	Midland Credit Management	10/1/2010	$750.00
14	AFNI	6/1/2011	$773.00
15	IQ Data International	6/1/2011	$15,943.00
16	Santander Consumer USA	3/1/2015	$5,851.00
17	Consumer Portfolio Services	5/1/2015	$11,609.00
18	Verizon	7/1/2015	$2,023.00
19	Verizon	1/1/2015	$1,011.00
20	Financial Credit Services	11/1/2014	$503.00
21	American Profit Recovery	10/1/2014	$810.00
22	Continental Finance	1/1/2014	$556.00
23	MG Credit	11/1/2013	$1,055.00
24	First Premier Bank	5/1/2012	$507.00
25	Arrow Financial Service	5/1/2012	$701.00
26	Credit Management	4/1/2012	$972.00

SCORES:

These scores are as of 2 years ago.  I have been able to pull our most recent credit reports, but not our current FICO scores.  I will be updating these soon in a new snapshot. 

Hers: TransUnion-525 Experian-504 Equifax-524

His: TransUnion-571 Experian-533 Equifax-527

GOOD TRADE LINES:

Several Student Loans - paid and closed

Old Kent Home Loan - paid and closed

GOALS FOR NEXT MONTH:

We want to have deals worked out with accounts 1-10 to have them deleted if paid in full.  We have the money ready to do this and want to see these gone asap.  It will be half of the accounts on our credit and will remove a lot of negative items.