I have about 7-9 tradelines that have all been paid on time and all were opened in 6/12. Also I have about 10-15 inquiries on each report all from 6/12 so those become a year old as well. Now that its almost a year past should I expect to see some type of score bump or not really. Please anyone with input, greatly appreciated.
Starting Score: myfico.comEQ 570 TU 614 EX (fako/experian.com) 565 5/24/12
We need more detail as to what your profile looks like. Things like current util, # of baddies, last late, etc are all useful information. But I can tell you that high util is the fastest score killer.
My history: I had a bankruptcy discharged in 7/2007, since then I've had about 8 collections/charge off accounts which I have tried to goodwill until the point they don't even respond anymore. Most are from 2008-09 when I had to stop working to take care of my mom and then went to college for my career, Every collection is paid, a couple accounts out of those are medical bills that are paid also for amounts like $30 and $138 There is one auto loan charge off that I satisfied by settling from 2011. I started trying to reestablish last year when I came across this forum. I have a total of 8 open and active tradeline which include car loan and credit cards all open in 6/12 and have never been late. Utilization is 0%, all balances are at 0. (I know I should charge a small amount to get in between 2-9%) I also have student loans that are not in repayment but I did just pay off one sallie mae student loan for $830. My last fico scores pull by a lender in 12/12 are EX: 673; TU04: 682; and myfico equifax is 661 currently on here. I know inquiries fall off in two years and after one year they don't "hurt" as much but will any points possibly be gained from those new accounts hitting the 1 year mark and the inquiries not hurting so much.