Improvement stalled out around 620-630

[Anonymous]

Long time lurker, first time poster. So my scores were down in the 500s - nothing MAJOR like a bankruptcy - just general sloppiness and late pays. I've worked hard over the last 6-12 months to pay off all credit card debt. Only debt is mortgage, 2 car loans, and a  student loan. My last 30-day late pay was 6 months ago. All credit cards have a zero balance. I've definitely seen my score improve, but it seems to have stalled out around 620-630. What else can I do to get up above 700???

[rmduhon]

GW letters for the lates and time

[Anonymous]

Yep, Ive been in the same boat as you.  Ive been in the 640-650 range for a full YEAR now.  hasnt moved one bit its super frustrating, but I did this to myself.  Time will heal it though!

[Blackswizz750]

Only time. Don't apply for credit just to try and get a boost, that can backfire. I am waiting as well and preparing a GW campaign for my student loans.

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@Anonymous wrote:

Long time lurker, first time poster. So my scores were down in the 500s - nothing MAJOR like a bankruptcy - just general sloppiness and late pays. I've worked hard over the last 6-12 months to pay off all credit card debt. Only debt is mortgage, 2 car loans, and a  student loan. My last 30-day late pay was 6 months ago. All credit cards have a zero balance. I've definitely seen my score improve, but it seems to have stalled out around 620-630. What else can I do to get up above 700???

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[Anonymous]

Thank you all. Can someone kindly point me to the best resource on sending GW letters? I'm sure it's been discussed thoroughly, so I won't ask you to rehash it, but rather point me to the best resource. Thank you again!

[Anonymous]

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@Anonymous wrote:

Thank you all. Can someone kindly point me to the best resource on sending GW letters? I'm sure it's been discussed thoroughly, so I won't ask you to rehash it, but rather point me to the best resource. Thank you again!

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Here is a link to a goodwill letter thread that may be helpful. http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680