Anyway to get 60 points fast?

T50 · ‎03-12-2010

I am trying to get my score up over 600! In order to get approved for a mortgage to take advantage of a the tax credit and get away from renting and throwing my money down the drain. Anyways I have all but one credit card down to a 0 balance. I have filed bk 5 yrs ago, have made a couple of late payments but nothing more than 30 days. I have goodwilled the credit cards to try and remove the late payments with no luck. Anyways, anyone that could offer any advice please let me know!

Thanks

Starting Score: 506
Current Score: 565
Goal Score: 700

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Creditobsessed12 · ‎03-12-2010

I would advise you to keep sending those good will letters. That's the only thing that will help you.

11/30/14 EQ 545 TU 573 EX 602 01/15 EQ 545 TU 586 EX 589
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Goal: 700s across the board

Anonymous · ‎03-12-2010

so the only "baddies" you have on your report are late payments?

and those accounts are paid up to date?

LIGHTNIN · ‎03-12-2010

What is the CL and balance on the last one that has a balance?

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mauve · ‎03-12-2010

look in the forums for info on people sending gw to the specific places. sometimes you can get them to do it over the phone, especially if you have otherwise good payment history. try planetfeedback.com.

Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around

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T50 · ‎03-18-2010

only "baddies" within last 12 months are those late payments yes...

Starting Score: 506
Current Score: 565
Goal Score: 700

Take the FICO Fitness Challenge

T50 · ‎03-18-2010

I have 3 cc's all with 300.00 limits and low balances as of right now...

Starting Score: 506
Current Score: 565
Goal Score: 700

Take the FICO Fitness Challenge

llecs · ‎03-19-2010

@T50 wrote:

only "baddies" within last 12 months are those late payments yes...

There's a lot of damage here. I'd fire off some GWs if you haven't done so already.

llecs · ‎03-19-2010

@T50 wrote:

I have 3 cc's all with 300.00 limits and low balances as of right now...

For max points, get 2 of the 3 to report $0 and get the remaining CC to report a balance of $27 or less.