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What else can I do to increase my credit score?

New Contributor

What else can I do to increase my credit score?

Long story short, I didn't care about my credit for a long time. Very wrong, this I know.  I am now older and a lot wiser (thank goodness), I haven't had any negative items on my credit report for 4-5 years. I had a few things on my report that wasn't accurate so I disputed those 3-4 months ago. My score jumped from the low 500's to nearly 600. I just recently paid off the 4 unpaid collections accounts on my credit. I also have a secured credit card now.....

What else can I do to improve my credit? (All negative items have now been paid in full)

Starting Scores: EQ – 492, TU – 508, EX – 507 (Lender pull March ’12)
Current Scores: EQ – 591 (FICO), TU – 623 (FICO), EX –623 (CS), CK - 621
Goal: 700+ AND no baddies!

Current Cards: NFCU $4000 CL, Cap One $300 CL (secured), Cap One $300 CL. & an NFCU car loan for $18,500
Message 1 of 4
3 REPLIES
Valued Contributor

Re: What else can I do to increase my credit score?


hopeful23 wrote:

Long story short, I didn't care about my credit for a long time. Very wrong, this I know.  I am now older and a lot wiser (thank goodness), I haven't had any negative items on my credit report for 4-5 years. I had a few things on my report that wasn't accurate so I disputed those 3-4 months ago. My score jumped from the low 500's to nearly 600. I just recently paid off the 4 unpaid collections accounts on my credit. I also have a secured credit card now.....

What else can I do to improve my credit? (All negative items have now been paid in full)


Have 2-3 secured cards, and let them garden.

 

Send GWs to try and have any CO removed.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 4
New Contributor

Re: What else can I do to increase my credit score?

Thank you, and I'm sorry I'm new to this site and have found a lot of helpful information. But what is a GW?

Starting Scores: EQ – 492, TU – 508, EX – 507 (Lender pull March ’12)
Current Scores: EQ – 591 (FICO), TU – 623 (FICO), EX –623 (CS), CK - 621
Goal: 700+ AND no baddies!

Current Cards: NFCU $4000 CL, Cap One $300 CL (secured), Cap One $300 CL. & an NFCU car loan for $18,500
Message 3 of 4
Valued Contributor

Re: What else can I do to increase my credit score?

GW means goodwill letter I would send them to the collection agencies  asking them to delete their reporting fo your acocunt to the bureaus. You can use for other things as well. Thieir examples on the formum.

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 4 of 4