Posts: 12,952
Registered: ‎04-15-2011
Re: HELP figuring out what to do next..need to fix score!

The CRTP is set by the DOFD of the account.  That is the first time it went delinquent and wasn't brought current.  The time period for this is 7 years + 180 days.  Now when you look at your reports.  EQ will list a DOFD and TU and EX will have an estimated exclusion date.


 You say these are mostly from 2007, that plays to your favor due to the fact that these are aging accounts. 


You talk about payments, actually the best credit scores are from having available credit and not necessarily using it.  A secured card is a good way to go.  You can put money on it and the money is still yours. 


Go to the Rebuilding Credit Forums and start asking questions on each of your negative Trade Lines.  Always people in there waiting and wanting to help.

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!