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Need to improve

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Anonymous
Not applicable

Need to improve

Ok, after college I had a bad habit of making late payments.  I have recent paid charge-offs/collections as stated on the cr.  I have paid all debt and only have school loan/car loan debt, NO CCs!  I have old information on my report (from 2001 to 1993).  So I now what?  How should I go about improving my score?  How do I get these things off of my report? Do I just need to go line by line with the "form" letter to the bureaus?  What else do I do now?  I found a house to buy and my score is 543! I have no debt to pay down.  I think I just need to get the negatives that aren't fixed by ontime payments off the report!  HEEELLLLPPP!  I'd need to purchase in the next 3 months!
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1 REPLY 1
Junejer
Moderator Emeritus

Re: Need to improve

You need to get a credit mix. Start with a secured card. You should also try GW for those paid COs.






Starting Score: 469
Current Score: 849
Goal Score: 850

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