My Fico Score 8 Scores Are Equifax 616 Transunion 637 Experian 600
Credit Karma Says My Transunion Score Is 602 And Equifax 568
I Have 14 Accounts On Both My Transunion And Equifax Accounts
10 Credit Cards Cap1 Secured $301 (4 Months), Discover Secured $200 (4 Months) , Fullbeauty $250 (3 Months), Jcrew $250 (3Months), Ny&co $400 (3 Months), Victorias Secret $250 (3 Months), Hsn $750 (2 Months), And Also It Lists Two Closed Card Accounts Ultravx From 1/4/2010, With 8 Missed Payments And A Wells Fargo Secured Card From 10/13/11 That Was Never Opened Becase When They Went To Take The Deposit Out There Werent Available Funds. Showed It Was Opened 10/13/11, Closed 10/14/11, But Shows 27 On Time Paymens From 10/2011 Till 12/2013. Currently Using 18% Of Credit Util Across The Board, Will Get It Down To Under 10% As I Have Read This Is The Most Useful.
Cap One Auto Loan $16,406 6 Mo Old, Current. No Lates. Ktob Auto Loan 36 Month Term Closed 12/30/16 1 Late. Kto B Auto Loan Closed 1/25/13 22 Missed Payments Worst Status 60-89 Days Late. Usdoe/glelsi Student Loan Account In Default Opened 9/2009 Closed 1/2012 Currently In Rehabilitation, Will Have Made 9Th Payment In 6/2017 To Bring Out Of Default Status.
I Got Most Of The Above Mentioned Cards Due To The Shopping Cart Trick Advice Which Im Now Not Sure Was Such A Good Idea But Hopefully The On Time Payments Can Outweigh The Bad. I Will At The Least Order Gift Cards And Resell Or Gift Them For Like Small Amounts Of $10 Each Month On The Store Cards.
5 Credit Inquries On Transunion Account And 8 On Equifax Due To Shopping For Auto Loan And A Few Hp For Credit Apps Due To Fall Off In 8/2018. They Were All Around The Same Time.
7 Current Collections Accounts, I Have Settled 4/7 Which Will Be Removed From Bureaus Leaving 3 Collections.the Remaning 3 I Will Have One Deleted Very Soon With Early Exclusion And Pay Or Settle The Remaining 2 To Also Have Them Removed.
From 08/2016-02/2017 My Ck Transunion Score Have Gone From 562/602. From 08/2016-02/2017 My Ck Equifax Scores Have Gone From 525/568.
My Goal Is To Increase My Credit Scores To 650/680/700 Within The Next 3-6 Months, Not Sure How Realistic This Is? Any Advice Is Greatly Appreciate, I Just Would Like To Be Guided In The Right Direction On How To Proceeded For Maximum Results.
***********UPDATE********* so now my FICO 8 SCORES ARE Equifax 619 (was 624 -5 due to INQ) , Transunion 638, Experian 610.
I have had good success with pay for deletes with 2/4 of my ERC accounts, working to have the last two items removed, plus I had some closed collections removed, will keep you all updated on the rest, I now only have 3 collections accounts showing a balance for a total of around $1,495. I however am tired of keeping up with doing everything on my own so I am giving Lexington Law a shot to see what they can do in a month or two, if they dont produce I will step back up to bat. So last week I applied for membership with NFCU (via Navy League San Diego) and was immediately approved while waiting for them to check my application, the nice lady on the phone made the 30 min wait worth my while, I also immediate applied for their cash Rewards Visa and was approved for $1,600, then next I applied for the CLOC and was also approved for $1,500. I was nervous to ask for the max due to the credit card limit amount, but will just wait for 3 mos to apply for max limit on card and CLOC. This week on the 28th my secured Capital One Platinum card got a $300 increase when my 6th staement cut, so I immediately applied for the QS1 card and was approved for $500 limit. In a few months hopefully Lexington Law has cleared as much off my report as possible, also my student loan rehabiliation program will be over, scores should be much higher and I will apply for increases with NFCU credit card and CLOC, then try to refinance my vehicle loan that currently is with CAP1 with an extreme interest rate.
