cancel
Showing results for 
Search instead for 
Did you mean: 

My Situation

Regular Contributor

My Situation

I have a mortgage, 2 car loans that report to Equifax, furniture loan, and a Kay card all pays as agreed. I have a charge off from First Premier, dish network collection/co, and a co for $495 that reached the 7 year mark this
month. My scores are still low as I had trouble being on time with my mortgage for a while butmanaged to save it. What else can I do to help raise my scores? Thank You
Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: My Situation

You could try to PFD the CO, plus you could try and GW the lates on your mortgage.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
Regular Contributor

Re: My Situation

Would i try and pfd the first premier or the one that just hit 7 years, or both?
Message 3 of 4
Moderator Emeritus

Re: My Situation

You could try both.  If the one that just hit 7 years, if it's 7 years from the DOFD then it's close to falling off.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4