So, with the exception of a lien withdrawl that has been approved by the IRS on the 17th and is slooooowly snaking its way through the systems to be removed from my CR (really, how frigging long does it take?!?), my report is totally clean.
What my CR lacks, however, are open tradelines. The mortgage and HELOC I had and paid out when I sold the house is reporting nicely. The 3k secured Visa I got is reporting nicely, as I'm doing my part to stay current with a zero balance. And that's the only card/open tradeline I have.
What should be my next move re: getting my score up. I live in NYC, so getting an auto loan isn't the brightest of moves...
Starting Score (EQ 1/17/12): EQ: 573, EX: 590, TU: 561
Wcv wrote:So, with the exception of a lien withdrawl that has been approved by the IRS on the 17th and is slooooowly snaking its way through the systems to be removed from my CR (really, how frigging long does it take?!?), my report is totally clean.
What my CR lacks, however, are open tradelines. The mortgage and HELOC I had and paid out when I sold the house is reporting nicely. The 3k secured Visa I got is reporting nicely, as I'm doing my part to stay current with a zero balance. And that's the only card/open tradeline I have.
What should be my next move re: getting my score up. I live in NYC, so getting an auto loan isn't the brightest of moves...
With the VISA, make sure you use it to so that the agencies see that you are using your credit wisely. Even keeping a small balance on occasion will help. Nothing extravagant - something like $100. Look at it as bait to keep the VISA people thinking that you are a customer and not just one of those "deadbeats" who pays off their card before due. 
And as usual make sure all your bills are paid on time, utilities first, mortgage/rent, CCs, etc. What I found useful was to set up bi-monthly payments from my online banking so that I don't forget to pay off a bill by its due date. Once you set it up it clears the mind and give you a bit of satisfaction that you've taken care of things.
___$13.5k______$20k_______$20k_______$25k_______$20k____
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
