Collection deleted but no score increase ****Update***

[kezia2410]

All the collections that I paid were deleted with the exception one 1 medical that now reports as paid. My score increase but I still was not able to qualify for pre approval because when the lender pulled it she got a mid score of 617.  Can anyone suggest how I can gain 23 points within the next 30-60 days?

These are the score I pulled and the lender pulled....

Privacy Guard 3.5.14
Equifax - 596
Experian - 644

TransUnion – 667

My Fico 3.14.14

Equifax - 600
Transunion -643

Experian – 644

Lender 3.17.14

Equifax - 600
Experian - 617

TransUnion – 667

Thanks!!!!

[Whitneyy]

What else is on your credit report? What about your positive accounts? Do they have any lates or anything? How many positive lines do you have?

[kezia2410]

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@Whitneyy wrote:

What else is on your credit report? What about your positive accounts? Do they have any lates or anything? How many positive lines do you have?

Negative I have now is 1 charge off from 2009 ($674) , 2 Medical unpaid from 2011-$262 and Paid from 2012 (paid this month) .

I have 3 credit cards and Im an AU on a Capital 1 card and a secured loan. No Late payments.

**Secured**Wells Fargo: open 2/2013  Limit $300.00 Bal reported: 15.00

**Secured** First Bank: open 11/2013 Limit $300.00 Bal reported: 7.00

**Secured** Capital : AU open 12/2013  Limit $200.00 Bal reported:35.00

Barclays: open 12/2013 Limit $500.00 Bal reported: 76.00

Secured Loan: Opened 11/13 for 7 months Pay $70.00 every month

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[Whitneyy]

You can get your score up by paying all your cards down to 0 except one. 

[kezia2410]

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@Whitneyy wrote:

You can get your score up by paying all your cards down to 0 except one. 

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Thank  you for your responses...Whitneyy

I  just paid Barclays which is due on the 21st is paid down to 0 it will report on the 26th and my Wells Fargo is due tomorrow and I paid it down to $5 but I will pay the $5 tonight to get it to 0 when it reports on the 25th. The other 2 won't report til Apr so I will pay 1 other 1 to 0 then.

[Whitneyy]

That'll boost you up QUICKLY.

What about the charge off? Who is it with? 

[kezia2410]

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@Whitneyy wrote:

That'll boost you up QUICKLY.

What about the charge off? Who is it with? 

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It's with a Credit Union. from 2009 bal of 675. Its reported on all 3 CRA. The LO told me not to pay it .....

[Whitneyy]

I've never heard of them saying NOT to pay, but probably because they don't want it to appear as a new debt.

But watch and see what happens with your scores after your usage goes down.

Good luck.

[kezia2410]

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@Whitneyy wrote:

I've never heard of them saying NOT to pay, but probably because they don't want it to appear as a new debt.

But watch and see what happens with your scores after your usage goes down.

Good luck.

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Thank you so much for your responses...

[babyeyes00]

Good luck Kezia.  Keep us posted