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How to Improve my Cr Score

Discussion in 'Credit Talk' started by srcredit, Dec 15, 2003.

  1. Dec 15, 2003 #1
    srcredit

    srcredit New Member

    Today I checked my Scores from Equifax, it is 691 as it was in Feb03 no improvement!! I have total 7 Years of credit history , only bad is I have one CC paymed delay for 60days in Feb2002,that time I was out Country so I informed them that I will comeback and pay, the CC rep told me thats fine but they reported it to equifax. and no other bad,all a/c are paid as agreed. Can someone tell me any ideas how to improve my score. I am planning to buy a house soon so I am trying to improve my score.

    Thanks
     
  3. Dec 15, 2003 #2
    GEORGE

    GEORGE Well-Known Member

    TRY 25 YEARS NO "BADDIES" EVER...665-739

    MOST OF THE TIME 690-710

    OWE TONS LESS NOW WITH 699 THAN I DID WITH 739!!!
     
  4. Dec 15, 2003 #3
    420greg

    420greg Well-Known Member

    How do your cc balances look? Are they over 30% utilization?

    I have gained nearly 90 points since October 1st, by mainly paying down my balances.
     
  5. Dec 16, 2003 #4
    DanS

    DanS Well-Known Member

    Amen, brother!

    My kids HATE "that guy named FICO" 'cause he gets all of dad's money this year.
     
  6. Dec 16, 2003 #5
    flacorps

    flacorps Well-Known Member

    Goodwill letter to the OC, Dispute the late with the CRAs, see if it won't come off.
     

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