08-22-2012 07:10 AM
Good Job! Keep it up
08-22-2012 08:02 AM
I am trying to fix my credit, I am young and I never really cared one way or the other about what my credit looked like so I just did whatever, plus I did not know how to manage my credit. I am trying to develop a good history, and be able to buy a house and get a good car loan, I am doing this by paying off all of my charge-offs and collections, paying my open account balances and developing a good payment history, and paying down my student loans.
08-22-2012 08:03 AM
Yeah how come my little signature says that my score is 800 when it is not... how do i fix that?
08-22-2012 08:05 AM
never mind, I fixed it... LOL
08-22-2012 12:16 PM
New to the board. Goal is to be in 700's by 1Q of 2013. Just paid off about 20k in CC debt. have some baddies I need to fix (if I can). Score is about 596 myFico.
08-22-2012 02:29 PM
Hello all! I have been stuck at 606 for a while... I have paid down my credit card utilization to under 30%, I have an open collection that I make payments on but was advised not to pay it off because it will make my score go down? I can settle with them. Is this wise? My bankruptcy was discharged 9/2008 and I do have two late cc payments from Nov and Dec 2010. The only other baddie is my student loans that are on IBR and they total 60,000 making my debt ratio look crazy! I know that time heals all wounds but is there a such thing as neosphorin for credit that can help it heal a little faster??? I heard they are changing the rules for down payments for FHA to 5% next year and I would like to become a first time home owner before the change. Please help!!!
08-23-2012 07:26 AM
Up to 604 today... and that is with the report still showing 99% utilization. When in reality its down to about under 20% Woo hoo!
08-23-2012 08:27 AM
Congrats!!! You will see a BIG difference once you pay your utilization down..
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