New here! Help with score 544

[Anonymous]

Hey everyone! I'm new here! Need some advice on trying to build my credit and clean it up after bei g on there for years and feeling like a prison sentence. Here's my current stats:
-TU 544
-EX 533
- 4 Negative accounts from collections. Two of thos will come off next year in Feb and June. All 4 accounts are under $400 range.
Credit cards:
-Capital One secured card startimg credit line $300 and increased to $600 after 5 months of paying on time.
Credit One just approved me (unsecured) with a $300 credit line and in the mail now.

With all of that being said, how should i proceed aNd are there any tips you can provide me with? Thanks in advance!

[MrTom]

You really need to know your FICO score.  It looks like you posted Credit Karma scores.  Experian offers a free FICO score and reports.

A little more detail on your collections.  Company?  If you let us know your collection companies others may have past experiance how to deal with them, and get the collection deleted.

Keep a low utl on your cards.  The lower you keep your credit card balance, the better the utl. 

Once you get your collections fixed and a good utl, you could easily be on your way to the 700 club.

[Anonymous]

Yes, you're right. They are from Credit Karma. How did you know? Here's the names and info of the negative accounts i have from Annualcreditreport/TransUnion
-Santander Consumer USA:
Auto loan
Date opened- 9/2013
Date Updated- 1-31-2017
Payment received: $8,503
High balamce of $11,509 from 6/2015 to 1/2017
Remarks: Closed
Estimated month and date to be removed- 9/2023

-Capital Accounts LLC
Placed for collection: 9-20-2012
Balance: $137
Original Creditor- Medical/Dental
EstimTed month and year item will be removed: 6/2018

-Enhanced Recovery Company
Placed for collection- 4/19/2016
Balance: $111
Origin creditor- ATT Mobility
Estimated month and year item will be removed: 3/2021

-SW Credit Systems LC
Placed for collection: 1/30/2015
Balance $206
Original Creditor: Comcast
Esitmate month and year item will be removed 9/2019

Looks like only 1 item will be removed next year. I thought it was 2.

[Adkins]

Go to credit check total and get all three FICO scores and current credit reports for $1. And then cancel your membership immediately (you have seven days but don't wait too long!). Having you true FICO scores as a starting point is important since CK is only good for monitoring your credit. Let us know your results. 

[Anonymous]

Can you provide a link to the $1 credit report please? Can't seem to find it.

[the_jan_b]

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@Anonymous wrote:

Can you provide a link to the $1 credit report please? Can't seem to find it.

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Brian27 - Click on this link -----> Credit Check Total

[Anonymous]

Make sure you call and cancel the "$1 trial" a day after you pull your FICO 8 scores from there or they'll charge you $30/month.  Not pretty.

Once you have your FICO 8 scores, post them.

Credit Karma "credit scores" are for entertainment value only, like professional wrestling: they look real but they're fake.

[Anonymous]

Ok thanks... checking now...

[Anonymous]

ok here we go! Pretty interesting!!!

-Fico 8 Experian: 578

-Fico 8 TransUnion: 572

-Fico 8 Equifax: 585

I can't believe CK is lower! Why would they do that???

[radfam]

That is common. CK uses Vantage scoring.  My current Fico8 for TU is 584 and on CK it is 634.  CK is decent if you want a free way to monitor accounts on TU and EQ, but not really for scoring.

To answer your previous question, when someone only posts their TU and EQ, but not EX, it is nearly always because they got those scores from CK.  Not including EX is a dead giveway that it is CK (FAKO scores, as you will see it referred to on here).