Regular Contributor
Posts: 230
Registered: ‎09-22-2012
Re: Need help getting credit from 400 range to 580! Out of ideas!

I have had some success in getting the old collections removed. They are all paid with 0 balances, and it doesn't seem to make much of a difference. I am really hoping that paying the cards down is the trick, cause that feels like it is my last option. Some of the simulators show as much as a 200 point increase, but others only show like 20 points. Hopefully we can get a big jump. Our mortgage lady said to open another card, but most of the sims didn't show an increase at all, so I dont think that will help a whole lot. Thanks for your reply!

Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s

Take the FICO Fitness Challenge