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I need almost 100 point in 2 months....

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Established Contributor

I need almost 100 point in 2 months....

Is this possible?

 

My baddies:

-90 day late 07/11 on student loans

-1 collection (PFD pending) on my EQ

-high util (82%) and 2 cards reporting maxxed  (over 90%)

-1 First Premier CO over 5 years but settled 6 months ago

- 1 Private SL C/O with seveal lates from late 2011 (0 balance)

- 3 lates from old Walmart acct (closed) all 1 year old, my TU shows 3 lates with last being 12/11, EQ only shows one 30 day from 11/11 and EX shows 3 with last being 01/12

 

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 1 of 19
18 REPLIES
Valued Contributor

Re: I need almost 100 point in 2 months....

Yes possible start goodwilling like life depends on it  make several payments and get all but one card reporting zero with one reporting between 3-6% of you Cl for that card. GOOD LUCK


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 2 of 19
Valued Contributor

Re: I need almost 100 point in 2 months....

That entirely depends on if you're willing to pay off all the cards except a small amount on one card.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 3 of 19
Frequent Contributor

Re: I need almost 100 point in 2 months....

Good luck! let us know how it goes!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 4 of 19

Re: I need almost 100 point in 2 months....

I would start by paying down your credit card utilization to under 9%. That's probably the biggest thing hurting your credit.

Message 5 of 19
Senior Contributor

Re: I need almost 100 point in 2 months....

As an example.....I had removed myself as AU b/c this shell card reports right at the limit every month.  I gained +22.

I gained 0 for having a collection removed. Smiley Mad

 

 

Message 6 of 19
Senior Contributor

Re: I need almost 100 point in 2 months....

That 90 day late is KILLING you.  It can take about 3 years to recover from that.

Can you goodwill the heck out of that?

Message 7 of 19
Regular Contributor

Re: I need almost 100 point in 2 months....

i received a 32+ increase by paying my CC down to 0 that was with one reporting

 

pay all ur cards to 0 with one reporting a 9% balance im guessing you should get at least 30-50 points off the util alone



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 8 of 19
Established Contributor

Re: I need almost 100 point in 2 months....

Good luck

Message 9 of 19
Established Contributor

Re: I need almost 100 point in 2 months....

Thanks for the advice guys.

 

I'm unable to get the 90 days removed, Nelnet will not budge. Walmart has already removed 1 late and refuse to remove any more. I'm hoping my new Wally account with perfect payment history will outshine the closed one on review.

 

I will work on paying my balance down. I can get the collection removed but they want to charge me a $10 processing fee for removal, collectors are a bunch of miserable trolls.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 10 of 19