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Hello.
In October 2013 my CS was a 402. By some grace of god I was able to get an auto loan without 80% down with that score.
Steps I took:
As of 4/21/2014 my CS is 548.
Next Steps:
Any other suggestions in regard to moving my score up above 700?
Just left you a PM
Responded.
Here's a big question:
Once an account is paid off/paid in full (obviosuly in full is better) whats the best action to get the charge off account removed from your report?
congrats on your progress
On your remaing 41 negatives
If you have charged off accounts with balances you may want to sent out PFD letters
if you have accounts with lates you may want to send out Good Will letters
Sending goodwill letter to all accounts with lates, as well as to my two accounts paid in full asking they be removed. My two still open I will send PFD letters to as soon as I have the cash to actually hold up my end of the bargain.
Moved up another 8 points with a payment on one of my cards!