35% of your score is making payments on time so... make sure you are doing that for sure!
30% of your score is Amount of Debt. Get your Utilization LOW. Under 9% aggregate.
What are all your credit card balances in relation to your limits?
Like 500 out of 1000 and 250 out of 300 is 750 out of 1300 for 58%... which is bad.
We can help more if we know those numbers
I recommend reading ABCD2199s rebuilding rules thread, here in this forum. They are very solid.
Hello everyone! I signed on with a credit repair agency back in 2015. They were able to remove about collection accounts. I was paying $125 per month for 3 years and I feel it was wasted. There has been very little improvement. I want to do it myself, but I don't know where to start or how to start. I have 3 collection accounts on my Experian all dental from 5 years ago. I also have 12 late payments for Fedloan from 2013. And 3 late payments from an old vehicle I purchased back im 2012. Please, any help is appreciated!! Thank you in advance.
OK, thats the negative side of the equation, what do you have for positive accounts?