What type of score increase should I see

[SHAI]

Starting score as of February     TU-536 EQ-485

Lender pull on March 15, 2010  TU-565 EQ-513 EX-549

Paid one Emblem credit card from 115% UTL to 10% UTL

Paid BOA from 98% UTL to 0% UTL

Paid 1st Premier from 100% UTL to 8%UTL

Had car charge-off PFD

Had Chase PFD

Had NCO Financial deleted

Had collection account deleted

About how much of a score increase should I see, I'm trying to get to at least 620 or above to qualify for a mortgage.

[fused]

What is your remaining revolving util, if any? Overall and individual accounts? Do you still have more baddies on your reports? If so, what are they and how old?

[SHAI]

I have 1 other charge-off and a student loan that was late but  have been paying on time since september of 2009.

[fused]

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@SHAI wrote:

I have 1 other charge-off and a student loan that was late but  have been paying on time since september of 2009.

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Is this CO from 2009? Is it paid or unpaid? If unpaid, what is the balance and what was the CL?

[SHAI]

I just paid off one credit card to $0 and the other two cards from 100% UTL to 10% UTL. I also had 2 charge-offs deleted. How long before I will see an improvement in my credit score and how many points should I get.

Febraury 2010  TU-536  EQ-485

March 2010 lender pull TU-565  EX-549   EQ-512

[lexus400]

I hope you see a good increase. As we all know each situation is different. In Jan my FICO scores were EQ 570  TU 611 and EX 624 pulled by VA lender. I had some derogs deleted by the grace of GOD (Midland an Security Finance) and 1 PFD to LHR.  I now have 6 CC accounts with a 2 year good history and 1 car loan reporting pay as agreed(on time). 5 of my CCs are now  reporting a 0 balance as of March. Waiting for my statefarm visa to report($8500limit paid down to $2000). Now my FICO scores are EQ 620 and TU 684 pulled from MYFICO.COM. I pulled a FAKO EX today and it was at 689. Of course this is a FAKO now so this could vary. I hope this helps.

[haulingthescoreup]

For anyone who might be confused, the last two posts were merged into this thread from their original home on Rebuilding.