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02-19-2013 01:49 PM
02-20-2013 01:56 PM
Franchise Andre Smith
Let Michael Johnson walk
Draft a Safety 1st Round
Draft a RB 2nd round
On topic....Utilization is probably where you'd see your biggest impact. The lower your CC utilization the better. Take a look at this thread for full details on how FICO scoring looks and how credit karma compares to "real" FICO scoring:
As far as collections and such, you can "Pay for Delete" PFD which is esentially paying the collector in full to delete it off your credit report....usually requested in writing...that helps a handful of points at a time. Slow process, but it works!
02-20-2013 02:08 PM
02-20-2013 02:16 PM
Keep Andre and MJ both please
I know credit karma is a load, I'm just using it as a guideline so to say. One question with the "PFD", what if my balances were paid in full? I'm fairly certain I paid them in full is there a way to find that out?
I've just brought my credit card down to a $10 balance after it was near my limit (300), and I plan on keeping it under the 35% I keep hearing about. Sorry if I sound like a total "noobie" but I am
If your collection balances are already 0 and your utilization is already less than 10% but greater than 2-3%....then the next step people do is sending "goodwill letters".
You basically send letters to The Man asking him to remove the collection from your report as a sign of "good will". They got their money....so you just ask and ask and ask. Sometimes it works....but 90% of the time it doesn't work.
Depending on the Bank/Collection Agency/Vendor/Whatever you can search through these forums and find some tricks for some of the ones that appear on your credit report.