I know yall probably get a lot of these posts but I thought Id make one specific to me. Here it goes:

Credit Accounts: Capital One (Closed 3/21/16) Balance: $2176 CL: $2000 Opened May 21, 2015 I have a payment extension with them but it shows as Charged off as bad debt.

Chase Card Closed: May 9th, 2009 Opened May 29, 2006 Closed May 9, 2009 Balance: $0

Auto Loans Bridgecrest (Drive Time) Balance: $17611 HIghest Balance: $18141 Term: 69 Months Good Standing

Austin Capital Bank (Self Lender) Last Reported March 31, 2018 Balance $96 (However, I just paid it off last Friday) All current as well.

Closed Accounts Azuma Leasing: $0 Credit Union Loan $0.00 Both paid on time

I have 7 hard inquiries. On my Equifax it shows a collection account for Elephant Insurance I do not remember this account. I sent the dispute to Equifax.

I was considering getting a secured card as well.