Rebuilding Help

[Anonymous]

I am looking at rebuilding my credit and attempting to get it to around a 650 ASAP.  I have one collection account open (verizon) have recently paid off a collection account.  All the rest of my accounts save for one show on time payments throughout their history.  I have recently gw'ed that one and gotten them to agree to remove the three late payments on the account.  I have paid down my utilization although that hasn't posted.  How do I get myself to a 650 soon? 

[Anonymous]

What is your utilization currently reporting at?

When I paid mine down to 8% from 40% reporting I got almost a 30 point jump across all 3 CRA's

[Anonymous]

83% but I recently made a payment that should bump it down to 72%.  I should be able to make another payment later this month to drop it to 60% or lower.

[ojefferyo]

If you can bring them down to 30 or less

[Anonymous]

Oh I am working on that Ojefferyo and I think I can do it in 3 months, but I am hoping for something slightly more immediate.  I am not sure, I might even be there once the next statement comes out.  Also, how long should it take a Cap 1 good will to show up?

[Anonymous]

yea, with a utilization rate that high, getting it down to 10% or less would likely give you a good 20 point bump or more.