I keep messing up!!

[Anonymous]

Started on this journey last Aug 2016

EQ: 593

Transunion:552

Experian:597

Now:

EQ:589

Transunion:607

Experian:616

4 Late Payments 30+ DaysNumber of your accounts that were ever 30 or more days late, or have a derogatory indicator  

32 Months Since Most Recent Late PaymentYour most recent late payment

total revolving/open account balances of 2,258 that needs to be paid down.

I have over 43 inquires on EQ, 24 Inquries on Transunion, and 32 Experian. I am bad at gardening.

33 Average Age of AccountsThe average age of your accounts in months  

I still have 2 collections on the report. Paid one back in April. Waiting for the collection to drop off. I just got approved for Total Visa and The First Access Visa.

How to raise my scores in the next 6 months to get approved for a mortage?

[rmduhon]

GW the lates and paid collection, pay the cards down and let them age. Try to get a PFD for the last collection, if not pay/settle and then GW.

[Anonymous]

Pay off your credit card balances to zero except for one card which should have 1-9% utilization.

Stop applying for credit.  Just stop.  Your inquiries are going to freak out underwriters for any loan or credit product -- and those won't go away for 2 years after inquiry.  The last thing you want on your reports are more inquiries.

Don't pay collections off without a PFD.  If the underwriter tells you to pay them, THEN pay them.  No PFD, no pay, unless the  underwriter demands it.

[Anonymous]

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@Anonymous wrote:

Pay off your credit card balances to zero except for one card which should have 1-9% utilization.

Stop applying for credit.  Just stop.  Your inquiries are going to freak out underwriters for any loan or credit product -- and those won't go away for 2 years after inquiry.  The last thing you want on your reports are more inquiries.

Don't pay collections off without a PFD.  If the underwriter tells you to pay them, THEN pay them.  No PFD, no pay, unless the  underwriter demands it.

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This! Especially if you already have 30 day lates ... you have to manage the credit you have, first.