Is this possible?
-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
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
That entirely depends on if you're willing to pay off all the cards except a small amount on one card.
|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
Good luck! let us know how it goes!
I would start by paying down your credit card utilization to under 9%. That's probably the biggest thing hurting your credit.
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.
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?
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
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.