01-10-2013 01:25 AM
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
01-10-2013 01:28 AM
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
01-10-2013 06:44 AM
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
01-10-2013 07:15 AM
Good luck! let us know how it goes!
01-10-2013 08:25 AM
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.
01-10-2013 07:32 PM
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
01-10-2013 08:32 PM
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.
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.