In a matter of 2 months I have raised my credit score by almost 50 points to get to 600! It amazed me how much wrong and/or not up to date information was on there. I'm wondering where I should look to continue increasing my score. What lenders would accept a ~600 score for an unsecured credit card? Should I try an in-store merchant card? If so, who should I look at? I have been lurking on these boards as a guest for a while and it has been a tremendous help. I finally decided to join in on the conversation now.
congrats. As far as where to start next IMO i wouls say keep on the negs if there are any more. Also keep the inqs down. Try to keep your utilization down around 25-35 percent. Time is everything. As far as getting an unsecured card with those scores unfortunately i dont think it will happen. But there are a few great secured cards out there that will allow you to graduate to an unsecured card in time. 12 months or so. Try b of a or wells fargo or fleet . I hear they have great programs. Just remember the more time you give between any neg info and your positive info the better your scores will be.
The major things I had on there were unpaid accounts that had been sold but were still showing a full balance from the original creditor. I got those removed and that helped out quite a bit. I also had an eviction that had been paid off for over 2 years that still showed as completely unpaid. Also the apartment complex had a 100% unpaid item from the exact same eviction. It seems that companies will be more than happy to put negative items on your CR, but you have to contact them and beg them once you have settled the balance.
