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fxdiva06
Posts: 1
Registered: ‎09-18-2012
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How to improve a 710 fico score in 3 months?

I am new to this website/forum.  I need all the advice I can get regarding how to improve my fico score in 3 months?  Is it possible?  What all should I take in account in improving my fico score?  Also my next question when writing a letter to credit bureau is it a negative effect on my credit score or report, when requesting to remove an old account that is past 7 years?

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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: How to improve a 710 fico score in 3 months?


fxdiva06 wrote:

I am new to this website/forum.  I need all the advice I can get regarding how to improve my fico score in 3 months?  Is it possible?  What all should I take in account in improving my fico score?  Also my next question when writing a letter to credit bureau is it a negative effect on my credit score or report, when requesting to remove an old account that is past 7 years?


Contacting the CRAs on your own behalf does not affect your credit.  If you have proof the account is past the CRTP then send that in regarding the account.  

 

Need more information in order to give you information.  Do you have any other negatives on your account?  Do you have any accounts in good standing?  Do you have any revolving accounts and if so what is your util?


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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SpiceIslander
Posts: 339
Registered: ‎02-01-2010
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Re: How to improve a 710 fico score in 3 months?


Shogun wrote:

fxdiva06 wrote:

I am new to this website/forum.  I need all the advice I can get regarding how to improve my fico score in 3 months?  Is it possible?  What all should I take in account in improving my fico score?  Also my next question when writing a letter to credit bureau is it a negative effect on my credit score or report, when requesting to remove an old account that is past 7 years?


Contacting the CRAs on your own behalf does not affect your credit.  If you have proof the account is past the CRTP then send that in regarding the account.  

 

Need more information in order to give you information.  Do you have any other negatives on your account?  Do you have any accounts in good standing?  Do you have any revolving accounts and if so what is your util?


+1 We need to know where you stand before we can help you improve. Best of luck!

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
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Cloudlb
Posts: 227
Registered: ‎08-05-2010
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Re: How to improve a 710 fico score in 3 months?

Reading the posts on the "understanding FICO scoring" would help.  I'm not an expert, but 710 is pretty good, so chances are you have no baddies, and could improve by reducing your debt ratio (paying the credit cards off)


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