Waiting game, anything else I could do?

[907grown]

I got the 1400.00 needed to pay off collections together
Tried to PFD-- DENIED
Paid the collections off
Have not been late on a payment in well over a year
Currently owe 0.00 on all credit cards
Got 3 new cards recently to increase my available credit
What now? A few of the collections were medical and occurred in 2011, 2012, so I know those are hurting my score, but with all the other right that I have done, when is my EQ credit score going to rise above the 564 it's been sitting at for a few months? My TU is 610, and I don't want to spend the money to find out EX.
Currently renting until Aug 14, at which time I want to buy a house.... Is that even possible or should I give up on that to avoid disappointment?
Frustrating!! So easy to bomb your score, so emotionally and somewhat financially draining to fix it.....

[guiness56]

Since the CAs are paid, start sending GW letters asking for them to be removed.

Don't let all of your CC report 0 balances.  FICO doesn't like to see that.  Have all but one report a 0 balance and the other at 1% to 9% for optimal FICO scoring.

[907grown]

So at this point I should only show a balance on one card? Or less then ten percent on each card? Aside from that and paying bills on time anything else? I am also going to send out GW Letter tomorrow. Now should I send an individual letter for each collection or one letter citing each collection acct number?

[guiness56]

Let only one card report a balance of 9% or less.  The others at 0.

I would send one letter with each collection account number.  Do not send these CMRRR, just regular mail.

[907grown]

Will do! Thanks!

[lost22]

9% of total available from all CL or just from that one card? Sorry-newbie here

[guiness56]

You want as many accounts as possible to show a 0 balance and have one report at 9% or under.  So, in theory, it would be less than 9% overall.  Say you have 3 CC with a combined CL of $3000, $1000 each  Have one report a $30 balance which would be 30/1000*100 so that card would have a 3% utilization.  Overall your utilization would be 30/3000*100 = 1%

[lost22]

Thanks Guinness!