My name is REAL PERSON and I live in Pennsylvania.
I was on your website and I am hoping you can help me make some decisions as to what actions to take to get my credit score up quickly. Aside from the Collections and Derogatorys, I have other good tradelines that have been on time for the last 18 to 24 months. My three current credit cards are all at Zero balances. I am just finding it hard to decide which of the following to attack, and how to attack them. My current middle score is 608. It was 646 a few months ago, but I opened a no-interest-nopayment account for furniture purchase not realizing at the time that it would be looked at byu scoring models as a maxed out credit card. I am trying to pay this down fast but it started at $5400. I am down to $5000.
I have a few collection items as follows, all of which I paid off (settlement for less than full balance) after they went into collections. Can I get these removed or at least changed to a category that doesn't kill my score as much? I am under the impression that since they are listed under collections that they are still tanking my score. The Derogatorys follow the collections
the following information is pulled straight from my 11/22/06 credit report and the only changes made were XXing out the account numbers.
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First keep the one good account you have roadloans open and in good standing.
I would possbily try to reopen one of the credit cards that were charged off. Send them money to do so ONLY if they open the account with the same account number.
Looks to me that you nees at least 2 more open credit lines to mask the past mistakes with new good decisions and track records. Looks to me like you are about 6- 12 months from a 700 score with a couple more accounts paid on time for at least 12 months current.
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Monday, December 04, 2006
Actions to take to get my credit score up quickly
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