My Experian score increased from 599 to 683 in the past 2 weeks. I paid off half my CC accounts (4400 down to 2200 owed on 7 diff cards). I owe 120,000 in Student Loans but in deferrment and owe 6k on car loan.
I have 10+ hard inquiries which is bad.
I recently was successful with a GW letter for a collection that will be deleted soon but still appears.
My question--will that deletion get me close to 700? I still have 4-5 other negatives that are bad. For example, a BOA account with 120 day lates, 90 60 and 30 day lates consecutively for 2 years but last reported late was 2008. Is that hurting me?
What's my best course of action to get to 750? I wrote GW's for all my accounts with 1-2 negatives and am hoping for positive outcomes. Need a new car soon and hoping for much better interest rate this time around!!
American Express Blue Cash $10k Chase Southwest Visa $12k BOA Cash Rewards $9,000 BOA Spirit Airlines $9,000 Citi American Airlines $2,000 Wells Fargo Cash Back $3,000 GE Paypal $4,250 Discover IT $3,800 1st Florida Credit Union $4,000 Priceline Barclay Visa $5,100 LanPass Visa $6,000
Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011