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@Anonymous wrote:
The charge off is from April 2011. I'm at 610 and 640 using score watch now....I have no other collections and my most recent late payment is in October... Utilization is at 28%and will be reduced to 7% on one of three cards. Most recent inquiry march2010. P.S. Scorewatch predicts I can this month. Opinions???
Yes, once you pay down and let time work for you, the scores will rise!!
I have a Best Buy CO from 2008 sitting on all 3 of my reports.
That charge-off is pretty recent. And then you have lates from October 2011.
If you asked me whether you could get to 760 with those things, I'd say no.
660, it's possible.
I had a CO and a score of 656, but my CO was from 2008, no other lates.
Follow my financial journey: http://www.frugalrican.com
I hope so! Good luck!