Reply
Contributor
Posts: 83
Registered: ‎04-30-2007
0

579 to 665 - now what to do?

[ Edited ]
I have been on the boards since April of 2007 and my score has gone from 579 to 665 in that time period. I'm wondering what, if anything, should I do next. I currently have: 1 credit card with Web Bank - credit limit is $500 and balance is $39.00. Student Loans - $75,000 - I pay $400 per month and will do so forever. I paid off my auto loan in full in December and score dropped 19 points. I have 2 Collection accounts with AFNI - still fighting them and am preparing to sue them in January. What else can I do to improve my credit score? I have no other collection accounts and have written many goodwill letters to get rid of lates, with about 75 percent success. The credit card I have is pretty much a junk credit card that I obtained when my credit was poorer. I have had it now for two years and a couple of months. I make around $90,000 per year and have had the same job for a little over two years. Should I apply for a new credit card and if so, which one? Would I be denied based upon the two AFNI collection accounts? I want to have a real credit card with a higher balance. I am scared that eventually the junk credit card might be canceled and don't want to be stuck without one. I want to not be afraid to apply for credit.

Message Edited by dooodooo on 12-30-2007 05:26 PM
Senior Contributor
Posts: 3,432
Registered: ‎08-27-2007
0

Re: 579 to 665 - now what to do?

which cra has you best score, how recent are your baddies? i'd say a cu would be my first inclination.
Moderator Emeritus
Posts: 7,326
Registered: ‎06-18-2007
0

Re: 579 to 665 - now what to do?

[ Edited ]
If you know your  FICO scores with each CRA  or even with 1 CRA......go to the CC thread and read or ask which CCC pulls that CR.  I think most pull EQ and EX.....your score of 665 is not bad,
 
I received CC from wal-mart discover,and target with scores around 650 BUT I had 1 collection ready to drop & no lates.
 
Good luck on your lawsuit if you sue. Have you filed a complaint with the FTC?  Also did you MOV the CRAs??  MOV must be done before lawsuit.


Message Edited by HappyDays on 12-30-2007 05:46 PM
New Contributor
Posts: 77
Registered: ‎10-24-2007
0

Re: 579 to 665 - now what to do?

hi doooo,

many people on the boards have gotten merrick bank hooters with scores lower than yours.
i would try the bank of america website, they have a preapproval form that is a soft pull on your report and will let you know what you qualify for with them. perhaps with your high income and if you already bank with them you might be surprised. even if they only approve you for a 99/500 within a year of perfect handling they will graduate you and you will have a nice prime card with generous CLI.

good luck!

xoxox jane
hey, careful man! there's a beverage here!
My FICO: TU - 725 EX - 736 EQ - 747
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.