Good Job! Keep it up 
Original Starting Score:553
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.
never mind, I fixed it... LOL
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.
Starting Score: 596
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!!!
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!
Congrats!!! You will see a BIG difference once you pay your utilization down..
Just waiting for the cc companies to update the records. Hopeing for mid 600's
I'm hopping to get as close to 700 across the board by the end of the year as I can, I plan to app no more, let my accounts age, and make sure I have a great Utilization %.
