So, as many others here, I am really frustrated. I will try to make a long story short
I started cleaning up my credit about 4 months ago. I started off at around 500+ for all 3 CRAs. Right now at I am 670 with Equifax, 650 with TU, and 597 with Experian. I honestly don't understand why Experian is so low. I've filed a number of disputes. I have 2 new credit cards and one old one that I have been maxing out and paying off fully every month. Just got a car lease for my wife (with a cosigner), but I don't see it on my credit yet. I hope it helps the score when it does show up. I just don't understand what else I can do to raise my scores. I have 6 months left on my car lease and I am just not sure my credit will be as good as I want it to be by the time I want to buy\lease again. My auto score was 590 and I have no idea why its so low. All these numbers and formulas that are used are simply very frustrating. Fico, Faco, Vantage. Its all BS imho. The negative items that I have on my credit are old student loans, but they have been transferred to different lenders and I am currently paying those on time every mont. Does anyone have any suggestions as to what I can do to get myself self to 700 for all 3? I've done enough research and I know what has to be done, but I just dont see much improvement. The old stuff is still haunting me. Should I just be patient or should be more proactive and try to do more (dispute, clean up, apply, etc).. Please help. This is keeping up at night!!!!
Thank you in advance =)
