Score is dropping while trying to rebuild

[Anonymous]

These are all old accounts. From 4-8 years ago.

[guiness56]

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@Anonymous wrote:

A lender told me my FICO- 589, but I am a member of creditkeeper.com and these are the scores they provided me. I am afraid to apply for new credit, I want more revolving credit to increase my score and history, but do not know where to start.

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Try secured CC.

[mauve]

Lynn, I'm still in the dark - are you getting old accounts deleted, or are you getting the negatives affiliated with the accounts deleted?

[Anonymous]

I am getting all paid accounts deleted (negative), past the 7 year mark, and I have a few that I tried to verify, but they did not get verified (are not paid) have also been deleted. So I have deleted a total of 10 items off my credit report in the past 60 days.

[Anonymous]

Where do I go to apply for a secured CC?

[Anonymous]

I started at a 510 fico ( according to equifax.com) and now I am at a 589, according to a lender.

[mauve]

Lynn, what kind of accounts are these?

You ideally do not want to get negative accounts deleted, this is what is hurting you.

For instance:  if you have a closed credit card that had some lates, was charged off, whatever

You want the chargeoff notation deleted.

You want the late notations deleted.

You do NOT want the account deleted.

[Anonymous]

All the accounts are closed whether paid or not. They were CO. I either settled or made payment arrangements with them.

[mauve]

Are the tradelines completely gone, yes or no?

Are the tradelines still there, but the notation has changed from "Charged off" to "closed"

[Anonymous]

Yes there changed to charged off or closed. They were all baddies. Except my carnote.