Need 3 points and immediate suggestions

[jordanmedical]

I have a LO who is not very helpful but because I am buying with the preferred lender and late in the process, I am pretty much stuck with him.

My scores are: 630 EQ 637 EX and 667 TU (need 640 mid score)

util:44%

No cc's reporting for a week.

3 baddies:

First premier (several GW letters and they won't budge--falls off next year) -don't much remember this account but settled it last year and it brought it forward hurting my score

AES/NCT C/O from 2011

Walmart CC with lates (they only took 1 late off and won't budge on the others) - this is different on every report TU has 4 lates with last in dec 2011, eq has 1 late from nov 2011, and EX has 4 lates with last late in January

LO suggested disputing but I know that hurts your score because it brings lates forward.

Any suggestions for something I can do in the next few days to get the 3 points I need--maybe some good contacts for my baddies

[mnosal9]

Well not sure about few days but bring down the uti to about 19% and that may raise it a bit, other then that im not sure. I wouldnt reccomend disputing. Good luck!

[InvincibleSummer3]

If it were me I'd get that utilization down stat. 44% is fairly high. Is there a way you can pay off some of that?

[jordanmedical]

utilization will take time to get down as most of my cc report in the middle of the month.

I'm more looking for help with my baddies. This is something I can start doing now.

[mnosal9]

trying sending GW emails to OC corporate. Try different people.

[guiness56]

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@jordanmedical wrote:

I have a LO who is not very helpful but because I am buying with the preferred lender and late in the process, I am pretty much stuck with him.

My scores are: 630 EQ 637 EX and 667 TU (need 640 mid score)

util:44%

No cc's reporting for a week.

3 baddies:

First premier (several GW letters and they won't budge--falls off next year) -don't much remember this account but settled it last year and it brought it forward hurting my score

AES/NCT C/O from 2011

Walmart CC with lates (they only took 1 late off and won't budge on the others) - this is different on every report TU has 4 lates with last in dec 2011, eq has 1 late from nov 2011, and EX has 4 lates with last late in January

LO suggested disputing but I know that hurts your score because it brings lates forward.

Any suggestions for something I can do in the next few days to get the 3 points I need--maybe some good contacts for my baddies

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Pay some on the CC to get your utilization down.  Optimumly it should be 9% or under but even getting it down by 20% could give you the 3 points.

Once you pay it call the CCC and ask if they will do a mid-cycle update.

[jordanmedical]

NFCU and GE are a no-go on the mid-cycle update. Tried that once I paid off my other cards with them (amazon, Walmart, nfcu nrewards).

Wonder how Barclay is about this but also nervous as my 6 month review with them is next week.

[DiabolicallyRandom]

Perhaps you should pay your credit cards and request a rapid rescore.  

[madmann26]

Utilization abouve 30% will drag and hold your scores down. If your statements drop are in the middle of the month, then you have a few days to get them (or at least one) paid.

example:

In Jan I paid my last 2 CA's with my CC. It reported and I took a 30-something point hit from it due to my util being 72%. I paid off the cards, left a small balance one and got my 30-something points back the next month.

There is your 3 points.

[jordanmedical]

LO said paying down my 3000 cl card to 2000 should net 5 points and we can rapid rescore. When I called barclay about the letter, they gave me a fax # to request a letter. Lets hope that doesn't take forever.