http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Jumping-from-good-to-bad-by-trhe-end-of-the-year/m-p/1442828#M191469 <p>Right now my score is pretty bad and I'll be working shortly, as it stands my score is 491, my experian is 566 and equifax/transunion are 516.  Could be better, but I'm graduating next spring and want to at least be at 620 so I at least have a chance of getting 200k mortgage and a 5% down.  </p><p> </p><p>Is it possible to get to 620, fico or credit score by christmas or next spring when I need to use it? </p><p> </p><p>And I have checked there are accounts 2 years old and closed, is it possible to request that they're removed to improve quickly?</p><p> </p><p>Thanks!</p> Mon, 11 Jun 2012 22:59:01 GMT Ericks89 2012-06-11T22:59:01Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Jumping-from-good-to-bad-by-trhe-end-of-the-year/m-p/1442828#M191469 <p>Right now my score is pretty bad and I'll be working shortly, as it stands my score is 491, my experian is 566 and equifax/transunion are 516.  Could be better, but I'm graduating next spring and want to at least be at 620 so I at least have a chance of getting 200k mortgage and a 5% down.  </p><p> </p><p>Is it possible to get to 620, fico or credit score by christmas or next spring when I need to use it? </p><p> </p><p>And I have checked there are accounts 2 years old and closed, is it possible to request that they're removed to improve quickly?</p><p> </p><p>Thanks!</p> Mon, 11 Jun 2012 22:59:01 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Jumping-from-good-to-bad-by-trhe-end-of-the-year/m-p/1442828#M191469 Ericks89 2012-06-11T22:59:01Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Jumping-from-good-to-bad-by-trhe-end-of-the-year/m-p/1442840#M191471 <p>To get an idea of what can be achieved, it would be necessary to see specific items in your CR, particularly the derogatory items.</p><p>Each has its own method of attempting CR deletion......</p> Mon, 11 Jun 2012 23:02:02 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Jumping-from-good-to-bad-by-trhe-end-of-the-year/m-p/1442840#M191471 RobertEG 2012-06-11T23:02:02Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Jumping-from-good-to-bad-by-trhe-end-of-the-year/m-p/1443506#M191530 <p>Hi and Welcome to the forums,</p><p> </p><p>Graduating nexxt spring, woo hoo. Good for you. </p><p>You are very wise to get an understanding about credit and credit reports, as young as you are.</p><p> </p><p>Agree with Robert, We would need to know, what negatives you are talking about.</p><p>One question....Where did you get your credit scores?   Are they FICO's?</p> Tue, 12 Jun 2012 11:57:39 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Jumping-from-good-to-bad-by-trhe-end-of-the-year/m-p/1443506#M191530 LIGHTNIN 2012-06-12T11:57:39Z