Hi guys,
I've been lurking on here and researching for quite some time So I would consider myself at least a little educated on the topic.
My current situation:
Revolvers:
cap one 1 cc: $220 bal, $3k limit
Cap one 2 cc: $0B, $2750L
Amazon store card: $0B, $1500L
Exxon Gas Card: I use $300/mo and pay off in full every month so shows $0B, $800L
Installment:
VW Credit: $14560B, $16895 original amount
Student Loans - $63k in deferment as I'm still in school
Inquiries: 11, only 1 is < 1yr, 7 are from the same day when I was car loan shopping in 11/13.
AAoA = 4.2yrs
Oldest = 9.8yrs
I've been disputing items with the 3 bureau's and have gotten a lot of negative items removed along with paying down my debt to the above, fico is now a 694.
One of my student loans a navient account is screwing me as it's showing 2 90 day lates. The most recent was 3/09 and before that was in 08 some time. Both erroneous in my book because I signed up for 1yr forebearances each time of the lates occured however they only have me 6mo, then when I called in to update my school info they said I was past due and I had to tell them I'm in forebearance yada yada. Long story short they back dated my forebearance so I didn't owe any late fees or payments but the lates stuck on my report.
So my questions:
1. June this year will make all of my inquiries > 1yr old. Should I see a small increase since I won't have any "New" inquiries on my report.
2.The Navient account with the "lates" the one from 08 will drop off in August, will that raise my score? Or do I have to wait until 4/16 when both of the lates will fall off of my history For the whole account to report never late vs 1 late vs 2 lates?
3. Lastly, are there any other recommendations to better my score other than what I'm currently doing?
Thanks in advance
