02-28-2013 10:13 AM
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???
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO