After a few weeks things are really improving. My current report as of 1-23-15
Equifax: 2 Negative (student loan)
0 Collection
1 Public Record
648 Credit Score
TransUnion: 3 Negative (student loan/collection)
1 Collection
2 Public Records
650 Credit Score
Experian: 2 Negative (student loan)
1 Collection
0 Public Records
666 Credit Score
The collection on my TransUnion report shows "closed/paid setteled" that is supposed to be deleted before the end of the month. The collection on my Experian report is supposed to delete next year in February. The public records are supposed to be deleted in June/September. Will there be a chance that my credit score will jump to the mid 700's by the end of the year? I am keeping my credit cards under 10% (more like around 1%).
