Quoting REAL PERSON realperson@hotmail.com>:
Bo,
Need to raise my Credit Score from 586 to 650 or more in 2 months. Have contacted all 3 credit bureaus online and got my FREE online reports to "dispute" what I needed to, but all the responses are merely stating the creditors are in "conformity guidelines" of the FCRA. I did NOT submit any written requests, but was wondering if I would get best results by doing so or just callilng them?
Also, If I pay off a "collection" account or bad debt turned over to "collection agency" then will my score go up right away or not? Does your Credit Score go up at all after a BK (i.e. Ch. 7) is removed after 10 years listing (i.e. my 1st BK of 2 is scheduled to come off in Sept/Oct of this year).? Final question,
How much do you charge to clean up my credit?
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You are supposed to be able to get a free report at annualcreditreport.com
I could not get mine. You mail a letter and ask for one. I find it easier to use the online freebies....sign up for credit monitoring and get all three reports and score here....then cancel before 30 days....
It depends on the collection....sometimes the score will go up for owing less money...sometimes it will drop because you have a new, more recent date of last activity.....if it is real old it will probably not help to pay... I suspect it is more than one collection and possibly something fairly new, late, or more than 80% owed against high credit limit....
The chapter 7 drop should help 20 points or so...
I do not charge for anything...its free
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Thursday, July 13, 2006
raise my Credit Score from 586 to 650 or more in 2 months
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4 comments:
I have a credit score 543 551 534; I need to have at least 620 by December in order to close on my home. I am currently paying all bills on time. I experienced 2 BK one dismissed becuase the atty did not complete correctly and it will come off in Oct 08 and the 2d Discharge will come off Nov 2009. I have a foreclosure in 2006. Old collections at least 2 plus years. I also have a collection that was included in the BK, but still showing on my report. Is it possible to raise at least 100 points in this amount of time. I am using my VA loan.
I sincerely doubt you can make it. All BILL? do you mean credit or BILLS. Paying bills will not help. If you have an open credit card or reported loan, then you might experience some credit score help. The collections in cluded in your BK should read as such and show zero balance. Dispute that.The BK falling off will help some if you have current reported and rated credit now.
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