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04-04-2009 07:51 AM
I have been doing the repairs to my report and my wife's now for over 3 months. I got over 10 bad inquiry's removed on both of our reports. paid down all balances on cc's. But my score has not changed yet other than the first initial jump in score Here is our old situation and now current situation.
my scores: 491 EX 512 TU and 530 EQ- Jan. 20th 2009
Wife scores 591 EX 515 TU and 563 EQ
Now me 566 EX 533 TU 563 EQ
Now wife 591 EX 534 TU 533 EQ
We deffered my wifes student loans from being pass due by a year to now current and her score dropped 30 points.
CC balances Jan-09
1000 limit 900 balance
320 limit 412 balance
300 limit 250 balance
250 limit 190 balance
250 limit 240 balance
1500 limit 180 balance
2400 limit 1700 balance
CC Balances Now:
1500 limit with a 900 balance
320 limit with a 147 balance
300 limit with a 0 balance
1500 limit with a 0 balance
250 limit with a 0 balance
250 limit with a 0 balance
2400 limit with a 1500 balance
What type of increase can I expect now with everything being paid down?
Thanks for the help
04-04-2009 11:53 AM
04-04-2009 01:16 PM
This seems like a long process to see the point jumps. We are trying to get construction mortgage for a mobile home we are buying brand new. So I need the scores to come up quick any sugestions on how to get abig score jump quick?
04-07-2009 08:03 AM
Ok so I got a little discouraged. I have paid everything down noticed the chages in my EQ CR and still no score change at all DW and I are trying so hard and I have heard of people getting big jumps in scores right away but for her and I nothing is happening. We need to be in the 620 range within the next 2-3 months. We have paid everything. I went from the FCO saying bad debt to now saying I have good payment history, good reduced debt and even good amt of credit but only bad on the lenth of credit. I feel as if I will never get to be above the "hump" anyone have any advice?
04-07-2009 03:21 PM
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