I have a 480 beacon score I have a couple things on my report. First if all paid off does that help. Second how can I get my score somewhere near the 550-600 range
First pay off all of the open collections that are recent within the last 12 months. That will give you a couple of quick points. THEN open up a couple of secured cards. Cards where you have to put down a deposit, and your credit limit is equal to the deposit. pay them ON TIME EVERY MONTH, and increase your credit limit. That should help alot
