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My current TU score is a 645 and I really need to know what steps to take to get this up over the long and short term. My financial history/situation is as follows:
All of my accounts are current, and have been for about 8 months straight. Previously, I missed payments on my bank of america credit card (3 - 90 days last summer, 2 - 30 days in august and september) and a 2 30 days on my student loans about 1.5 years ago.
credit history - 6 years
4 hard inquiries
The following delinquent history: (% = payment status from credit karma)
1. FST PREMIER | Credit Card | Closed | 1 | 0% | |
2. FST PREMIER | Credit Card | Closed | 1 | 0% | |
3. CAP ONE | Credit Card | Closed | 9 | 71% | |
4. BANK AMERICA | Credit Card | Closed | 25 | 49% | |
5. GE | Credit Card | Closed | 3 | 94% | |
6. NACOL | Student | Open | 1 | 98% |
Am currently using 0% of credit card limits
I have 1 credit card that I am paying off, which has been closed for 3 years:
bank of america - balance is $800
Was just approved for the following 2 credit cards this month, which are my only open credit cards (both have 0 balances):
discover it - $8,500
cap 1 quicksilver one - $3,000
Debt to income ratio is 10%
I have $200k in student loans that i always pay on time with, I usually pay about $20 over the minimum for each account (5 total). Monthly minimums total $350.
I accidently closed a capital one credit card this month, was closed for 3 years with a $500 limit (it had been opened 5 years ago).
My salary is 60k too, and should go up every year as I am fresh out of grad school.
Please help. I really need all of the advice I can get. I would like to finance a car at the end of this year.
Not sure what the percentage is showing or reference to CK. if these accounts are mostly paid off with negatives showing GW letters are the way to go on them.
Thanks for the advice. I'm not expecting the GW letters to be successful but I will definitely start trying!
Any other adivce out there? Anyone had success with GW letters to First Premier?