New Member
Posts: 3
Registered: ‎12-27-2012

A Little Lost and Needing Some Credit Rebuilding Direction

Hi Everyone,


I stumpled upon this forum a few days ago, and I can tell that this is a place that is going to really help me rebuild me credit. As I read through some of the threads, I saw terms like "app spree"and "gardening" and realized that I have obviously missed some things. I don't know what those things mean or how they (might) apply to me, so any help would be appreciated.


A little bit about me:


- My student loans just went into repayment (under IBR and I'm paying as agreed)

- I have a few unpaid collections that I intend to pay (but I think I should PFD these if possible, right?)

- A few baddies that have been paid, but still appear on my credit report (as paid)

- No late payments on my one credit card (Capital One secured card) or the personal loan I have through my bank


I don't know what I should be doing at this point (other than keeping the card's utilization low) to get my credit score up. When I checked my credit score this month (FAKO through Equifax), it was 590.



If anyone can point me in the right direction (especially to a few threads that might be beneficial to me)...



Many thanks. 

Starting Score: 640 FICO (TU)
Current Score: 640 FICO (TU)
Goal Score: 715

Take the myFICO Fitness Challenge
Established Contributor
Posts: 505
Registered: ‎11-05-2012

Re: A Little Lost and Needing Some Credit Rebuilding Direction

do you have a credit card?  list your full credit report then we can help you better

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Posts: 9,674
Registered: ‎01-28-2010

Re: A Little Lost and Needing Some Credit Rebuilding Direction


Welcome to the forums !


I'd suggest taking a look at the threads in the link below ~ also take a look at the sticky threads posted in each forum, there is a wealth of information available:

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.