Posts: 14,062
Registered: ‎04-15-2011
Re: Fico Scoring

Is that collection reporting as paid or showing a balance?  You need some sort of revolv to get some more positive TLs on your report.  Your file is too thin and any bad will drag it way down.  Have you looked at getting a secured card or two?

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+
Take the myFICO Fitness Challenge

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!