Established Member
Posts: 16
Registered: ‎09-05-2012
Re: Need help getting credit from 400 range to 580! Out of ideas!

That's good news on getting the lates removed.  The steps I would start with would be getting your utilization down to <10% and GWing the CAs (assuming the collections are paid but still on your husbands CR).  Payoff all but one or two CCs and maintain a small balance on those.  My guess you see some major increases in your husband's FICO score by addressing the CC utilization.  For some odd reason, FICO scores you better if you have some utilization as opposed to none.  I don't know what getting the collections off will give you, but it will certainly help.