New Contributor
Cprman
Posts: 62
Registered: ‎05-04-2008
Re: Stuck at 630

If you can PFD on that collection it will help tons. Also even old 30 day lates with little history hurt, write Good Will Letters for those. That should get your score up higher where a credit limit increase on your cards is more likely to happen. Then start adding cards. Probably a regular unsecured first and a store card eventually. As your score climbs you should probably add more cards as your file is very thin without other loans.

5/5/08 EQ 696
9/13 EQ 796 Thanks myfico!
Amex Blue Cash 15K, PenFed Cash Rewards 18K, Macy's 1K, Chase Freedom 6K, Cap1 Quicksilver Visa 15K