Rebuilding Your Credit

[maygirl]

Ok so I cannot seem figure out how to get my score up another 30 points! The mortgage person I applied through sent me to a credit repair company, and they even said they don't understand why my score is so low.

I have gotten accounts deleted, was added as a joint account holder, paid my balances down, and still I am at a 556 mid score, with my highest score being a 612. I know I still have charge offs reporting, but paying them isn't going to help my score unless they will delete which none of the ones that are left will...

Is it possible that next month once everything reports this way another month my score will go up? Maybe it was just a lot in a short amount of time so it has not figured it in.

I see people that have charge offs that get above 600, so I know it is possible... Right??

[RobertEG]

Can you provide the dates and status of each of your currently-reporting derogs?

[maygirl]

I have citifinancial CO 1/2010

citibank CO 11/2009

Capio Partners Med 7/2007 but purchased by them 11/2011

MIdland Funding account from 2009 purchased 3/2012

SO perhaps because the Midland one is so "new" although it is an older collection account...

[llecs]

Are these paid or unpaid? Is the Citibank account a CC or loan? Do you have any open and current CCs?

[maygirl]

They are all unpaid, they will not do PFD or anything at this point.... I have 5 open cc(300,300,500,10000), 1 car loan, 1 student loan that is on income based repayment which is $0 per month, I have a closed mortgage.

I HAD 2 Chase accounts that were settled deleted, I did a PFD on a Fidelity and got the OC to update as PIF on time, I got two little collections deleted.

I had lates from 2010 on my student loan that were 2 years old in April.

Maybe everything just needs more time?

Literally when the credit repair guy looked at my file he said he didn't understand why my score was so low. I am hoping to see a jump next month month I am going to let $10 report on all of the open cc, maybe that will be better than $0.