When I started this site I had over 10k in credit card debt which may not sound like a lot to some but for a college kid working a part time job was a lot. Next month I will be paying off my last credit card payment. how I did it was call and ask for a payment arrangement and most did work with me. I did have one sue me in court for 600 bucks and did get a garnishment on that card which I just got paid off. I'm never late on my car payment and I pay my student loans on time and yet my score isn't showing any improvement. I paid two off 6 months ago and my score didn't change. I do have 13 inquiries but they are all from 2010 and they are still showing up. Any suggestions ?
Starting Score: 475
On this site
Unfortunately just paying the old debts will not change the fact that they are negatives, they will continue to report as negatives, just with a $0 balance. You will need to send GWs out to those negatives that were paid off. Also, once the judgement is paid, contact the court house where it was filed and ask for their process of getting it vacated or set aside.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
