so I received notification today about a wrongful judgement that I was disputing and it was deleted but I only saw a score jump of 9pts!!! when it was deleted from EQ i saw a score jump of 60pts.... im going to have to retire my 99 altima soon (head gasket) so I am in need of a car.....looking at mmy signature I need to get to at least 620 in 3-4mos...so im feeling a little discouraged......I just dont know what I can do right now to boost my score...any suggestions?
Starting Score: EQ 462 9/30/11
@MsTucker09 wrote:so I received notification today about a wrongful judgement that I was disputing and it was deleted but I only saw a score jump of 9pts!!! when it was deleted from EQ i saw a score jump of 60pts.... im going to have to retire my 99 altima soon (head gasket) so I am in need of a car.....looking at mmy signature I need to get to at least 620 in 3-4mos...so im feeling a little discouraged......I just dont know what I can do right now to boost my score...any suggestions?
Sorry you're feeling discouraged. Chin up MsTucker... you were able to get a wrongful judgement deleted AND you were able to get a score increase! Even though it wasn't as high as you'd like, getting a judgement removed is a great thing! Are the TU and EQ scores your FICO's?
Are there any collections or other baddies on your report? Do you have cc's if so is the util low?
HUGS! You're headed in the right direction and that's worth staying the course, in my opinion 
Starting Score: 576 EQ 1-12-13Cap 1 visa limit $500 bal $200
cap 1 MC limit $750 bal $350
macys limit $200 balance $25
applied bank limit $500 balance $20
VCF limt $1200 bal $0
GEMB limit $1500 bal $520
student loans ~15k deferred
@PapasWifey wrote:
@MsTucker09 wrote:so I received notification today about a wrongful judgement that I was disputing and it was deleted but I only saw a score jump of 9pts!!! when it was deleted from EQ i saw a score jump of 60pts.... im going to have to retire my 99 altima soon (head gasket) so I am in need of a car.....looking at mmy signature I need to get to at least 620 in 3-4mos...so im feeling a little discouraged......I just dont know what I can do right now to boost my score...any suggestions?
Sorry you're feeling discouraged. Chin up MsTucker... you were able to get a wrongful judgement deleted AND you were able to get a score increase! Even though it wasn't as high as you'd like, getting a judgement removed is a great thing! Are the TU and EQ scores your FICO's?
Are there any collections or other baddies on your report? Do you have cc's if so is the util low?
HUGS! You're headed in the right direction and that's worth staying the course, in my opinion
thank you and yes they are FICO scored....I have 1 collection I sent PFD, 1 i tried to GW, and a couple 30day lates all over a year old I have good will for
@MsTucker09 wrote:Cap 1 visa limit $500 bal $200
cap 1 MC limit $750 bal $350
macys limit $200 balance $25
applied bank limit $500 balance $20
VCF limt $1200 bal $0
GEMB limit $1500 bal $520
student loans ~15k deferred
If you can get your CC balances to 9% utilization or less, you'd probably see a nice score increase! Some people have their cc's report a 0 balance, with the exception of 1 card which they let report between 1-9%. I personally, try to just have my balances report 0-1% because it helps to make sure I'm not incurring debt I can't pay for.
thank you I was going to pay $300 to GEMB and give cap 1 $450 to bring down my util this month...thanks
great progress so far. As others mentioned paying down a few cards to $0 would help together with lower util but not all the way to your goal.
What negatives: late/collections/... do you have?