You are doing great. I would just work on getting that 30 day late removed and get your balance paid off. You should also be able to get a few store cards like Target or Walmart.
ktl55 wrote:I just printed my fico scores from 4/4.This is what I see and how it has changed.TU Report - 640The blockbuster account I asked about yesterday is listed as a late payment - I sent a dispute letter yesterday. This was before I saw your post on sending a goodwill ltr. If deleted will this help my score and report?What's hurting your score:I have a collection and a serious delinquency on my credit report# of acct that were ever 60 days late or worse - BB accountNumber of collections - Dental Bill from 2001 - This was a PFD - it has successfully been deleted.I made heavy use of my avail revolving crdt. Have a $400 limit. I currently have a $275 available credit. This hasn't been updated yet.I have a short credit history - Oldest account 5 years (student loan)Average age - 4 yearsI have few accounts that are in good standing - 1 account (my credit card current, my student loan was deferred in Jan 07, will go back to making payment this month)new alert as of 4/14 - not on this fico scoring.In your eyes, how am I doing and what should I change? This is only one report, I will tell you what Exp says of you allow me.
It can be very confusing. Inquires in the last six months hold the most weight. That does not mean older ones irrelavent unless they are 12+ months old.
ktl55 wrote:ok, so why have I read that only inq within the last 12 months can effect your score or that creditors only acknowledge inq in the last 12 months. Believe it or not I've read 6 months as well some places. This whole credit thing is sooo confusing. I just want to clean up my credit. Not really interested in anymore CC, loans or even a new car. I have a house and the car (2004) I drive is paid off. Both notes are/were under my husbands name but my name is on the deed and title of both.