IS ANYONE OUT THERE???? HELPPPPP

[gaktheknife]

I have a 610 EQ FICO and a 608 EX FAKO.

Current auto, Current Mortgage, Current personal loan, Current CC with 1000 CL and 87 Bal.

The problem is:

I have 6 Dept. of Ed. loans that have a 90 past due from Nov. 2011 thru Jan 2012 (I thought they were defered)

A 12 year old Sallie Mae loan with 1 30 day late in 2008.

And 3 mortgage lines for the same house. Chase has me 60 days past due in 10/06, 11/06 and 12/06. They sold to Wells Fargo who shows 90+ past due from 2007-2008. I went through a foreclosure refi and the current loan has been good since 2010 but shows the same lates as the refi loan.

I dont know what to do to raise my score other than being patient.

Any advice would be greatly appreciated.

[gaktheknife]

I have a 610 EQ FICO and a 608 EX FAKO.

Current auto, Current Mortgage, Current personal loan, Current CC with 1000 CL and 87 Bal.

The problem is:

I have 6 Dept. of Ed. loans that have a 90 past due from Nov. 2011 thru Jan 2012 (I thought they were defered)

A 12 year old Sallie Mae loan with 1 30 day late in 2008.

And 3 mortgage lines for the same house. Chase has me 60 days past due in 10/06, 11/06 and 12/06. They sold to Wells Fargo who shows 90+ past due from 2007-2008. I went through a foreclosure refi and the current loan has been good since 2010 but shows the same lates as the refi loan.

I dont know what to do to raise my score other than being patient.

Any advice would be greatly appreciated.

[starry1]

Send goodwill letters to remove the lates.

[Lzzybeth]

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@starry1 wrote:

Send goodwill letters to remove the lates.

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+1 - that'd be your best option right now, as those lates are dragging your score down.