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.