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Need help with raising my score

New Member

Need help with raising my score

Hello All,

 

I am new on here and i am struggling just to get my mid-score up to 640 I have done everything i have been asked to do from my credit repair company. I have even paid off a tax lien which was released and my score only went 2 points. I am getting a mortgage loan and I am so frustated.

 

Equifax is 645, transunion is 605 and experian is 584... I have paid all my 4 credit cards down to 6% this week. Hoping it will help. All I need is 35 points for the loan.

Please help!

Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: Need help with raising my score

Where was your CC utilization reporting when you last pulled your scores?

 

Do you have any other baddies reporting?

Message 2 of 4
New Member

Re: Need help with raising my score

it at a balance of 15%. Yes i have other old baddies reporting. 

Message 3 of 4
Highlighted
Moderator Emeritus

Re: Need help with raising my score

I'd focus on the baddies. You might see a few more points with the improved util.

Message 4 of 4