Hi. I am new and don't know the "game" yet, but am trying as my credit scores are VERY low. I have a few questions....first, should my scores increase a lot do to the following payments and balances? If so, how much to you think it would jump:
Reported pymt 10/29 pymt 11/15 Balance CL
Direct Mrch $2,172.00 ($245.00) ($80.00) $1,847.00 $2,000
Childrens Place $105.91 ($80.91) $0.00 $25.00 $150
Credit One Card $400.74 ($331.05) ($69.69) $0.00 $250
Dressbarn $198.72 ($198.72) $0.00 $0.00 $250
Orchard Bank $309.05 ($200.00) ($50.00) $59.05 $300
Snap CC $304.00 ($200.00) ($50.00) $54.00 $300
Badcock $249.00 ($249.00) $0.00 $0.00 $800
As of today, the only item reported to the CRA is the Childrens Place payment. Also, I had two 30 days lates..one for the badcock, one for the credit one. I have written GW letters and will be mailing them today.
Second question, hmm, now i forgot my second question!!!! Sorry, I will post if I remember.
Thanks for any help or responses.
Heather
Fico EF 402, Ex 460, TU 494