Will this get me to 620?

[Anonymous]

OK LO just pulled my credit again to make sure rapid re scoring was accurate. The scores came out to TU: 580 EX: 568 EQ: 591

There are still some things that weren't deleted that should have been deleted they are:

Coll REc Bur: DOLA 03/04/2010- supposed to be deleted, only showing on TU

AFNI: DOLA 08/01/06- supposed to be deleted, only showing on EFX

American cap ENT DOLA 07/31/08- supposed to be deleted, showing on XPN

These are just the collections that should be deleted. The following accounts that are open need some adjustments, they are:

Target Card- CL is $200.00 balance showing is $102.00....should reflect $0.00

Citibank- in 03/2010 it shows as a charge off, and account is still open and paid on time, also in 02/2010 shows 60 days late. Supposed to be deleted, I have paper in my hand.

Does anyone have an idea if this will take me to the 620 I need to buy a home?? I do have other items on my credit some paid in full collections, some unpaid (they are unwilling to deleted.)

[Anonymous]

Wll anymore bad stuff be left on your cr?  Is the target card your only revolving tradeline, because if you can reduce your overall util that should produce a pretty decent jump in points.

[AndySoCal]

The Citi trade line will be a big help in getting you there. Remember the six 620 has to be the middle score not the high score. What other bad things are on your credit report and how late and reported when?

[Anonymous]

Thank you both for your responses. No unfortunately I do still have some baddies. A few closed paid accounts, as well as some collections that are about three to four years old. I have three unpaid collections due to the fact that they won't budge for a deletion.