05-30-2008 12:37 PM
05-30-2008 12:42 PM
05-30-2008 02:22 PM
05-30-2008 02:25 PM
05-30-2008 03:42 PM
05-30-2008 05:02 PM
tiff, these items are what's keeping your score down. You should add a few more cl's to help but nothing will help more until those age off.
tiff wrote:The only baddies I have is listed below:1. 90 late 9/06 student loan2. mortgage where foreclosure was started but cancelled. I've been current for 6 months now3. car repo - but was paid 8/2006. date of 1st delinq is 9/2003. On equifax it's still listed as a bad debt charge off4. late payments on a previous mortgage in 2006, paid and closed
05-30-2008 09:34 PM
It's not that I don't qualify for any of the others....With a 660 I'm assuming that I could get any card now. I have not tried because the simulator says added another cc might decrease my score.
05-30-2008 09:43 PM
The only baddies I have is listed below:1. 90 late 9/06 student loanIs this account still open, if so I would send GW on this. It will be 2 in September, so might get a small increase then.2. mortgage where foreclosure was started but cancelled. I've been current for 6 months nowIf it is reporting as a foreclosure on your CR, try to get the company to remove. I do not know exactly how that works when foreclosure had began but you get it paid up before it happens.3. car repo - but was paid 8/2006. date of 1st delinq is 9/2003. On equifax it's still listed as a bad debt charge offDoes it say paid or showing a balance?4. late payments on a previous mortgage in 2006, paid and closedYou can try GW. However, if this is an older account or your oldest account(you don't state when it was opened) the company could delete all together and that might actually hurt you more than having it there with the lates.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO