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???



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