09-06-2013 11:20 AM
Get those CC paid down. One to 0 the other to 9% or below. Your overall utilization is around 51% which is high. YMMV but I would say between 5 - 10 points for every 10% paid down.
For the judgment, find out if your state allows satisfied judgments to be vacated.
09-06-2013 11:22 AM
09-06-2013 12:59 PM
09-06-2013 08:34 PM
What was the PFD attempt on? Also I would consider lowering your credit card utilitzation to the 10 to 20% range which should help your scores.
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