I just got my scores and they are (Equifax 667) - (Experian 621) - (TransUnion 626) - I really would like my scores in the 700's... I have disputed, and disputed, till there's nothing left to dispute... Please help me... I need advise on how to raise my scores. Thank you in advance for responding. What should I do now?
How are your ratios? If you are carry some large balances you could get those lower to help the scores.
all my balances paid down but one, (Friedman's) it's a installment account that balance is $780.00 - should I just pay it off?
Depends, Some say installment loans lower your scores, but I think it really depend on the mix of credit accounts one has, for me, it has help alot. What are the baddies on your reports? =) How old are the accounts on your reports?
This is the run down: Capital One $500.00 -- Capital One $700.00 -- Household $300.00 -- Friedman's's Installment account $2000.00 (owe $780.00) -- Zales $1000.00 paid off. -- Daimlerchrys Installment account $7,432 -- Ford Motor Cr Installment account $40,261 (owe $32,879) -- never late on any of the above accounts -- my delinquent account is Providian $1,150.00 charge off $0 balance
I disputed the Providian, but it will not budge... so I paid it off... What should I do now... Should I get a prime credit card? a loan? a secured card? would more credit help? 667 - 621 - 626
Getting rid of the charge off will increase your scores ALOT. I got a collection deleted and my FICO jumped 50-60 points.
Re: Re: I really need higher scores!! HELP! Sounds like it's the Providian Charge-Off that has your scores so low, it's to new, try getting it off. I think I read somewhere that new lates and charge-off hurt more than many late or charge-off, that are 2 to 3+ years old. =( Good Luck. Did you make sure all your accounts are reporting correctly, such as open dates, balance $0, make sure your CC are listed as revolving credit, not installment. Also make sure your car loan is listed as Installment not Revolving account. Hope this info help. =)
Re: Re: I really need higher scores!! HELP! any advise to help raise score with the Providian on there? maybe more credit or something?
