Pulled my credit report... and was a lil shocked. FICO was 569. Have a mortgage, 2 car loans and 6 cc's. Close to limit on all cards. But worse yet... 2 30 day lates and 1 doctor colllection?? Never thought I was late let alone didnt pay bill. He must not have our new address.. odd. Ok so no scolding please... just what is the best course of attack here to get the FICO back to like 650+. Pay down cc's and dispute the 30 day lates? What about the collection? Is there a way to pay in full but get them to remove it from report? I dont mind paying in full as I didnt know I owed it. Seems correct even though dentist didnt finish work. How long do you think it would take to raise FICO say 100 points. I gather it depends on what I do. Thanks for any advice..
dispute the lates...pay down the credit cards...offer to pay the collection in full (get in writing) if they will delete the TL. as far as how long until your score goes up? as GEORGE would say "YMMV" (your mileage may vary)
