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New Member
Posts: 7
Registered: ‎08-20-2012
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Re: Help! I need help getting my credit score up to atleast 650 from 582!

I have a freeze on my account Bc of some fraudulent things that were on it about a few yrs ago. So even w a 582 I keep getting denied for even secured cc's. I'm going to try and remove the freeze but that seems to take a while. Then wait atleast a month to avoid hard hits to my credit scored.
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
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Re: Help! I need help getting my credit score up to atleast 650 from 582!

Op, I am unclear.  Is your credit file empty or are there negatives on it?

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New Member
Posts: 7
Registered: ‎08-20-2012
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Re: Help! I need help getting my credit score up to atleast 650 from 582!

Negative items currently being removed. I'm using lexingtonlaw.
New Contributor
Posts: 95
Registered: ‎04-02-2012
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Re: Help! I need help getting my credit score up to atleast 650 from 582!

Yea that's gonna stop you cold right there.

From no credit to EQ 747 in 16 months using info from these forums!

Chase Freedom 3k, Chase Slate 5k, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Help! I need help getting my credit score up to atleast 650 from 582!


Funk-O-Meter wrote:

Yea that's gonna stop you cold right there.


 FUNK-O-METER, why do you say that? are they bad or something?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Help! I need help getting my credit score up to atleast 650 from 582!


SMarty216 wrote:

I'm moving soon, and was leaning towards purchasing a condo oppose to renting again. I have a credit score of 582 and need to get it pass a 620 to even be eligible to apply to most morgage loans. I want to apply for a secured credit card, but not sure which one to go with. I also want to be added to someonesaccount as an AU user, just don't have any one at the time. An other ways, or credit cards I may be able to appy to that can help increase my credit score in less than 4 mth??


Cap1 secured. Increase the deposit to 1K or more.

 

You may also want to app for a 2nd secured card, possibly with a credit union. FICO likes at least 2-3 CC's reporting for good point increases.

 

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Help! I need help getting my credit score up to atleast 650 from 582!


gettnthere wrote:

Funk-O-Meter wrote:

Yea that's gonna stop you cold right there.


 FUNK-O-METER, why do you say that? are they bad or something?


They are not considered ethical to use here on the forum. They prefer that you do not mention them. In most cases, advice here on the "rebuilding your credit" forum can do the same thing Lexington Law can do and without costing you nearly as much money.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Member
Posts: 7
Registered: ‎08-20-2012
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Re: Help! I need help getting my credit score up to atleast 650 from 582!

Wow! I didn't know, funny you mention bv LL recommended me to this site.
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
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Re: Help! I need help getting my credit score up to atleast 650 from 582!

LL is okay.  Just a matter of whether or not you want to get educated and have enough time/effort to do yourself.  Or pay the XX a month and have them help.

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New Contributor
Posts: 95
Registered: ‎04-02-2012
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Re: Help! I need help getting my credit score up to atleast 650 from 582!

I was actually refering to your reports being fozen. But it's true what was said about Lexington Law. Anyway sorry I didn't get back to this tread for a few days. Good luck!

From no credit to EQ 747 in 16 months using info from these forums!

Chase Freedom 3k, Chase Slate 5k, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

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