Posts: 5
Registered: ‎05-01-2007

Is there anything I can do to improve my situation?

I am desperately wanting to raise my score as quickly as possible.  Finally just fed up with having a low score (FICO 613).  I am new here and would greatly appreciate some advice from those of you who have been able to bounce back after having a low score...


-Judgment filed July, 2011 ($2,304) – Portfolio Recovery Associates - they are also reporting a Collection Account – Portfolio Recovery – Factoring Company, largest past balance $2,370, Date of last activity Sept. 2009, Dated Opened April 2010


-Charged off account - $363 – Chrysler Auto Loan, Date of last activity Sept. 2009, dated opened 2003


-Charged off account - $2,164 – Dell, Date opened Dec. 2007 / Date of last activity Feb. 2010


-Collection Account – LVNV Funding – Factoring Company, Date Opened March 2009, Date of last activity Feb. 2008, Largest past due $1,287


-Foreclosure - Litton Loan - Mortgage – $83,000, Loan opened in 2003, Foreclosed in 2009


A few positives:

I opened a First Progress Secured card in August and a Credit One credit card in November and have made all payments on both cards on time.

Macy's credit card since 2007 and never been late.


Should I open another credit card???


Also have had a mortgage since 2007 with one 30 day late from 2010, but all other payments made on time.


What could I possibly do to raise my score???



Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. 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.