Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
Re: Starting out my credit rebuilding project Need advice
Start with the CC chargeoffs. These are factored into utilization.

For the lower balance CA...DV th first. If they validate.....then see if they will settle for less amd delete the CA.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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