1st I must say that I absolutely love this SITE!!!
2nd I really need help...I am attempting to repair my credit, and I actually am up against father time. I know there is no quick fix to credit repair, but I need to see an increase in my score by the end of February. I have 2 mortgages that I need to do a re-fi on by 3/31. The urgency comes in the fact that 1 has adj rate that will go up and the other has a ballon. (I am cringing just writing this) I accepted these terms with my not so great credit score with the intention of really raising my scores by this point. LIfe happens and here I am not in any better condition than I was this time last March...so here we go...
TU 518
Equifax 527
Experian 523
My utilization is high...so I know paying down my cc balances will help(only two cards..total balance aprox 1574.00)
I had a few delinquent pmnts with car note but I have been on track until oversight last month cost me a 30 day ping on report.
I have a charge off that I am going to send a PFD letter for...and two accounts that I made settlement offers on but they are reporting as paid collections (thinking about asking for deletion although paid..I figured that they could not hurt)
SO this is a pretty complete picture.....any advice..please.really really could use advice
Thanks