@Anonymous wrote:
I have paid them all mostly on time and cleaned up most of the negatives on my credit report. I currently don't have any balances also except on the Citifinancial car loan.
What do you mean by "mostly on time"? Are there recent lates on these new accounts? Also, when you have ZERO balances on all of your revolving accounts, that actually brings your score down. As silly as it sounds, it gives the appearance that you are not utilizing credit reponsibly because well, you're not using any credit. The rule of thumb is no matter how many cards you have, you want to leave a small balance less than 10% on ONE card.
Estimated Credit Score Ranges:
| Grade | FICO® Score | VantageScoresm | PLUS Scoresm | TransUnion® Score | CreditXpert Score® |
| B | 700-749 | 801-900 | 695-739 | 765-844 | 740-799 |
Your Standing:
You have a score better than 105 million people.
Your Rate:
Your credit score qualifies you for good rates.
Credit Grades:
| C 35% of your scoreYou aren't doing quite as well as you could be in this category. Even a few late payments can hurt your A+ 30% of your scoreGreat job keeping your debt under control! Low balances and high limits are giving your credit score a boost. C- 15% of your scoreIt doesn't look like you've had credit very long. Leaving accounts open for more than 7 years can help boost your score. F 10% of your scoreYou don't have a very good balance of credit and loan accounts and it is hurting your credit score. A+ 10% of your scoreYou are doing well in the inquiry category. Applying for new credit conservatively is helping to boost your score. |
@Anonymous wrote:My credit reports are mostly clean.
I have a small charge off of $109 from Partners Federal Credit Union. I tried to negotiate with them to get it paid off and off my report
I have some 30 day and 60 days late from Santander and First Premier in the past 12 months.
When I run a "grade" at credit.com it gives me a B
Thoughts?
The recent lates are hurting your scores the most. But it also sounds like you have a major derog with the CO. Ignore the "grade". True FICO scores do not have "grades". Have you pulled your reports and FICOs from this site? They give you a list of what's helping and hurting your score(s).
It's going to take some time and some work to get rid of the negative info and let your positive history start working for you. And let one of your cards report the small balance, just pay it by the due date to avoid paying any interest. Letting the small balance reports boosts your score.
The amount of the CO isn't really hurting you. It's the CO itself. You said you tried to negotiate with them, did you try a PFD?
Don't waste the time, money, or other resources getting any attorney to go after them. What it boils down to is it's the consumer's responsibility to know what they owe to who. They don't have to notify you either. Best thing you can do is try and offer the PFD. How old is it? Do you have an estimated fall off date?