Established Contributor
thankfulheart
Posts: 619
Registered: ‎09-26-2011
Re: Need help getting credit from 400 range to 580! Out of ideas!

Medical collections: google "hipaa process" and follow the instructions to a T. a TEE. Getting those off will help tremendously.

 

GW, GW, GW the rest. Relentlessly. Remind them that you paid your obligation. Admit you made a mistake (but avoid the whole explanation thing, they really don't care)

 

Do not throw your money away to let someone else do it for you.  You care about your credit more than anyone else ever could, so will be more passionate about the process.  Yes, it can be frustrating, but very rewarding when you look at the numbers and say, "I did that".

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)