I recently paid off all of my ugly debt that was around 13,000.
Some settled for less and some paid in full. Iv tried to get most paid for Delete and have sent good will letters to darn near all of them.
I also recently delt with a local credit repair company a friend recommend which all they did was send dispute letters and they got maybe 30% things removed that may have been errors or something else.
The ugly stuff still lingers on my reports due to them being late two years ago and older.
I have three credit cards
Best Buy
Limit-$1000
Balance -$0
Macy's (which my wife put me on as a authorized user)
Limits-$10,000
Balance-$0
Capital one (which my wife put me on as a authorized user)
Limit-$3000
Balance -1,560
This put my total credit card utilization at 14%
Age of these Credit cards average are a year 1/2
I also have a loan that my wife consigned on for my car that is $9,200
Last time I missed a payment was 1 Year and 7mo (which that was the day I started to rebuild my credit pay off old debt)
I have never been late on my current car
No public Records
No Bankruptcy
No Repo's
No House in my name
We have the Macy's card we use for gas and food and then pay it in full before the due date
I know I should pay the Capital one off to $0
But what else can I do to help my credit?
What's the next steps to take?
Current Scores
Fico8
EQ-618
TU-583
EX-582