Here is a rough of my husbands Transunion. Scores are in the low to mid 600's depending on the week. Should he try to get Diners club to report? Apply for another credit card? Get something removed ETC 1)First Premier credit limit 350 almost maxed out 2)Amex Express closed by credit granter never late 3) Repeat of Amex but will not remove double listing. 4) Bon Ton zero balance never late 5) Chadwicks of Boston zero balance never late 6) Sear charge off Nov 2001 settled but not listing date settled or 2 year payment history 7) 2 unpaid collections from 2001 totaling less than 200. two separate listings 8) 1 paid collection for less than 100 dollars to fall off 2005. 9)Fleet car loan paid off 3 times late back in 1999-2000. 10) Mobile 10% utilization.
The collections are draging the score down.. From everything I have read paid collections are not much better than unpaid. Try and get the negative items removed.. I am no expert but I believe if you can get the negative items removed your score should go up..
