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Established Contributor
2FixMyCredit
Posts: 500
Registered: ‎02-02-2013
0

Need 3 points :)

I am sitting at 637 EQ and would like to get the last 3 points by the end of next month to apply for USDA home loan.

 

I was finally able to get the collection removed on all 3 reports.

 

I am sitting at 10% util.

4 positive accounts reporting (bank of america, 2 commenity, fingerhut) AAoA 11 months

1 old derog - 3 years old

1 paid/closed that backdated 2 years (aarons, shows as a loan)

1 paid/closed from fingerhut fresh start

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Need 3 points :)

Valued Member
rd2rebuilding
Posts: 65
Registered: ‎06-10-2013
0

Re: Need 3 points :)

try paying down to reduce utilization to around 1%... that should give you the 3 point bump. What is the 1 derog you have?? Have you tried DV? PFDs/


2FixMyCredit wrote:

I am sitting at 637 EQ and would like to get the last 3 points by the end of next month to apply for USDA home loan.

 

I was finally able to get the collection removed on all 3 reports.

 

I am sitting at 10% util.

4 positive accounts reporting (bank of america, 2 commenity, fingerhut) AAoA 11 months

1 old derog - 3 years old

1 paid/closed that backdated 2 years (aarons, shows as a loan)

1 paid/closed from fingerhut fresh start



Goodwills?

Established Contributor
2FixMyCredit
Posts: 500
Registered: ‎02-02-2013
0

Re: Need 3 points :)

OK! I will give it a try lowering the util.  Hope it works :smileyvery-happy:

 

And yes, the derog is there to stay until it ages off. I've tried PFD, good wills, BBB, everything. Luckily it isn't factoring into my util but its from a CU and they are not willing to help in any way at all.  At one point they changed the DOFD and it ended up adding 2 years of being on my report but they said it was an "error" and fixed it.  They don't update it monthly either, last updated was 2011 I believe.  I think that the only way I would pay it is if its a condition to get a mortgage.

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Senior Contributor
DaBears
Posts: 3,930
Registered: ‎10-26-2012
0

Re: Need 3 points :)

+2, drop your UTIL and you will get a bump!!!! 


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