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@Kdizzy wrote:
Took a nose dive early last year.my scores are 610, 628, and 641. I made a bad move while purchasing my home and just paid derogs (mostly doc bills) without pay for delete. Of course also an F for inquiries that come with mortgages. My CU is doing good now, keeping them below 10%. I just don't know where to go from here to get the score to climb. I only have 3 yrs on credit age. 2 cards (cap1 and orchard. I need advice to help me get on track instead of feeling like crap if I get turned down for a loan. I'm really stuck here .....
Hi there and welcome.
First, are all of your cards around 10% if so, pay some of them to 0. You ideally only want one card reporting a balance, and that card should preferably be reporting a balance of 1-9% of that card's total limit.
For the derogs that you paid off, search this forum for good will letters, thoughts and ideas. Basically you'll want to flood them with snail mail, email, and faxed letters politely asking them to please delete their item from your credit report now that it is paid off. You may get a lot of "no"s before you get any yesses but then again you might see some successes right away. Just keep at them. See if Cap One will give you a credit limit increase. I don't know any thing about Orchard (though I thought that they too were Capital one now?)