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Starting in March I decieded to tackle my bad Credit. Experian 534, Equifax 529, and Transunion 541. I have paid 3 collection accounts off which two were PFD, Disputed two collection accounts and got those deleted and I raised my UTI getting a credit increase on my capital one card to 3000, and opened a Conn's credit account. I am currentely sitting at an average 644 credit score. I currently have 2 inquiries on my credit and I have 12 late student loan payments from 2years ago or older. All I have is 1 collection account which I am working on negotating for PFD from Credit systems international. I paid off my car in January and it dropped my score 53 points. What should I do now? My ultimate end game is to get a house in the next year. My debt to income ration sits about 3%. What should be my next move for a credit increase?
@asgor wrote:Starting in March I decieded to tackle my bad Credit. Experian 534, Equifax 529, and Transunion 541. I have paid 3 collection accounts off which two were PFD, Disputed two collection accounts and got those deleted and I raised my UTI getting a credit increase on my capital one card to 3000, and opened a Conn's credit account. I am currentely sitting at an average 644 credit score. I currently have 2 inquiries on my credit and I have 12 late student loan payments from 2years ago or older. All I have is 1 collection account which I am working on negotating for PFD from Credit systems international. I paid off my car in January and it dropped my score 53 points. What should I do now? My ultimate end game is to get a house in the next year. My debt to income ration sits about 3%. What should be my next move for a credit increase?
Get a small secured personal loan to replace the auto loan, that will get some of those lost points back. Also you should have three revolving accounts.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
Do you have any suggestions to who to go to for a secured loan?
I have sent GW letters to my student loan companies and nothing has worked so far.
@asgor wrote:Do you have any suggestions to who to go to for a secured loan?
St Department FCU is a good one
@gdale6 wrote:
@asgor wrote:Do you have any suggestions to who to go to for a secured loan?
St Department FCU is a good one
Agreed. Also try Lowe,s Walmart and Discover IT (for your tradelines). Congrats on the progress.
I got approved for Amazon Store card (800) today whoo hoo!