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2 weeks ago
Tue Sep 03, 2024 4:55 pm
Blue123
Authorized Rebel
After falling off the wagon and failing to make several payments/having several accounts closed, my score is now a 493.
I still have 2 open accounts: 1 Apple card (90 days late now reduced to 60 days late, balance of $287). $50 past due,
and one Bank of America card (90 days late for the last 3 months, balance of $1,154). $297 past due.
My worst closed account is a CareCredit card with Synchrony Bank. It is now charged off as of 2 months ago, but did not update last month. Balance is $1,986. (Should I try to settle/pay this, or just let it go? I hate them.) Full balance past due.
My other closed accounts are:
Chase, now current with payment plan, 150 days late last month. Balance $1,444. ($297 past due).
Credit Union Card (Elan), 150 days late. Balance $759, payment plan available to bring it current ($109 per month for 3 months). $388 past due.
Capital One Card, 90 days late for past 2 months. Balance $1,186. ($210 past due.)
2nd Capital One Card, 90 days late for past 2 months. Balance $1,115. ($192 past due).
3rd Capital One Card, 90 days late for past 2 months. Balance $353. ($112 past due.)
I also have a Samsung charge card reporting current every month, and am an authorized user on a Home Depot charge card, reporting current every month.
What should I focus on? I've got about $600 and should start making ~$3,000 per month in October with no expenses except these.
My gut is to start the payment plan with Elan, bring the Apple card current, and split the rest between everything else (while ignoring the Synchrony charge-off).
I still have 2 open accounts: 1 Apple card (90 days late now reduced to 60 days late, balance of $287). $50 past due,
and one Bank of America card (90 days late for the last 3 months, balance of $1,154). $297 past due.
My worst closed account is a CareCredit card with Synchrony Bank. It is now charged off as of 2 months ago, but did not update last month. Balance is $1,986. (Should I try to settle/pay this, or just let it go? I hate them.) Full balance past due.
My other closed accounts are:
Chase, now current with payment plan, 150 days late last month. Balance $1,444. ($297 past due).
Credit Union Card (Elan), 150 days late. Balance $759, payment plan available to bring it current ($109 per month for 3 months). $388 past due.
Capital One Card, 90 days late for past 2 months. Balance $1,186. ($210 past due.)
2nd Capital One Card, 90 days late for past 2 months. Balance $1,115. ($192 past due).
3rd Capital One Card, 90 days late for past 2 months. Balance $353. ($112 past due.)
I also have a Samsung charge card reporting current every month, and am an authorized user on a Home Depot charge card, reporting current every month.
What should I focus on? I've got about $600 and should start making ~$3,000 per month in October with no expenses except these.
My gut is to start the payment plan with Elan, bring the Apple card current, and split the rest between everything else (while ignoring the Synchrony charge-off).