In need of direction or encouraging stories pls.

[asgor]

Sorry for being a cry baby... I spend hours on this site and in 4 months my Equifax (myfico) score went from a 511 to a 578. I am feeling discouraged. I wanted to buy a house next summer and i just need to breathe and woosah

I finished credit rehab for a student loan in August and deleted my 5 loans past history since 1999 completely. Sallie Mae is new lender reporting on time payments now. Score increased just 4 pts. I was bummed because reading other peoples rehab stories I seen some increase up to 80 points upon completeling rehab but their past 10 month payments were included on credit report. I am writing letters, on the phone and emailing Direct Loans. (also deferred as of Nov 1)

Aes and ACS sl that have 9 months of good payment history but are now in deferment because I am in grad school.

I have 2 old medical bills that are reporting 90+ from July 2008.  I am not quite sure how to handle these. One is for about 450  and the other 677.00..

I just had a medical pop up for 133.00 that I sent a pfd letter yesterday

 Car Payment of 356 with 22 months of good payment history. I pay a little extra of 450.00 a month.

I have a orchard (now Capital one)  that has 300.00 limit balance of 47.00

Capital One Journey Card 500 limit 216 balance

DIscover It Card 500 limit 193 balance.

Any advice to keep boosting score? I am getting a good christmas bonus and was planning to pay down my cards.

[SunriseEarth]

Congrats on cleaning up the reports.   Deleting five TLs from 1999 very likely shortened your AAoA, which may be why the increase wasn't as dramatic.  Also, revolving TLs do weigh more heavily on the score than installment loans. 

I'd see if you can PFD the collections.  As for your active cards, you should aim to improve UTIL through paying down the balances and perhaps CLIs.  You might have luck if you request CLIs through the Cap One EO.  Even a modest CLI could be very helpful and there's no harm in trying.