I need to raise my scores. Sitting around 525-550 between the 3 Cra's. Down from 568-590 at the beginning of my quest because of duplicate SL's that were IIB, but now showing 3 IIB and 3 with different numbers showing 120 days late. They are actually deferred now. I'm asking for deletion of IIb's and lates due to damaging my FICO for 4 months. Haven't received letter back. 1 deferred Dept. of EDU (EX has GOOD, EQ has lates, TU has unrated) 4 total collection IIB's on EQ 1 total collection paid on EX (will validate) 2 medical IIB collection on TU 1 auto has 2 60 day lates from 1999(lease completed) 4 old paid good lines spread here and there(closed). BK 2 years old this past Sept. 7, 8, 9 inquiries. I have PG and WK. Nothing opened, but deferred SL's All cc's offers will be denied until I get the SL's straightened out. I need some advice on the best way to raise my scores. TIA
