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New Member
Posts: 4
Registered: ‎03-09-2011


I am new to the MyFICO FORUM and I am hoping to get some advice on how I can rebuild my credit. Before I started correcting my credit. I had 3 charge-off & 1 collection.   I settled 2 charge-off on my report and I just started a payment arrangement on my last charge-off.  I also  I paid off my collection as well. After doing this I did see my score drop & then slower increase. Hopefully, I just learned that My FICO score is different than the SCORES.. Guess my question is what else can I do, to see improvements in those scores as well.  

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008


What do you have reporting as positive accounts?


Do you have CC and how is your utilization?


For the paid collections, which will not help your score, start sending GW letters out and ask for them to be deleted.  A deletion is the only sure way to see some sort of increase in your score.


Same with the paid COs.

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