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Frequent Contributor
907grown
Posts: 261
Registered: ‎08-09-2009
0

Boosting options--PLEASE HELP

My scores are below, I want a home loan in may, I have paid off all collections although unfortunately I was unable to get them removed from my report. I have diversified my credit accts, I have 6 cc, a line of credit, 2 auto loans, student loan, all current, no lates in almost 2 years, util up and down between 9-30%, depending on the month, I have been experimenting with this to get the optimal score..... I'm at a loss, I need a big boost bad in the next few months. I am gardening as they say here, no more credit apps until I get a pull for mortgage. Any suggestions would be greatly appreciated and considered!!
Thanks!
img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" border="0" width="50" height="67" align="right">http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC
Starting Score: 460
Current Score: EQ 638, TU 660, EX 639,
Goal Score: 750
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guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Boosting options--PLEASE HELP

The only thing I can say is find someone else to send GW letters to have the collections removed.

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Senior Contributor
myjourney
Posts: 26,129
Registered: ‎02-07-2013
0

Re: Boosting options--PLEASE HELP


907grown wrote:
My scores are below, I want a home loan in may, I have paid off all collections although unfortunately I was unable to get them removed from my report. I have diversified my credit accts, I have 6 cc, a line of credit, 2 auto loans, student loan, all current, no lates in almost 2 years, util up and down between 9-30%, depending on the month, I have been experimenting with this to get the optimal score..... I'm at a loss, I need a big boost bad in the next few months. I am gardening as they say here, no more credit apps until I get a pull for mortgage. Any suggestions would be greatly appreciated and considered!!
Thanks!

Question why 9-30% UTL  when the general rule is 1-9% UTL?

 

This alone may get you a score boost if you can bring UTL down and find the sweet spot that works for you within those parameters of 1-9%

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13



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