Very impressed with this forum, it has a wealth of knowledge. My question is, my 3 scores are averaging 540. I recently sent of 2 pfd letters for 2 collections that I noticed on my credit report. Also, just finished paying off a personal loan of 2300 and all 3 of my credit cards are only charged about 5% which totals about 300.00 for all 3 together. I know its impossible, but can someone let me know what my average should be at in a few months. I made all these improvments in the past 4 weeks. Looking to get a mortgage in November when I transfer back to the east coast. What else can I do to maximize my scores until then.
Thanks in advance.
