topic Re: ADVICE???? in General Credit Topics

ADVICE????

Anonymous — Tue, 26 Jun 2007 18:40:02 GMT

TS 591

EQ 605

EX 608

I have 2 revolving accounts. i just paid down one from 2800 to 300 with max being 3200. The other is paid down from 391 to 50 with max being 400. Will my credit score increase? i know i have just changed my UT, a lot i am just concerned about my increase in points.

I paid off a judgement of 600, but i don't know how to write the letter to the 3 cc's to delete. Can someone help me out.

Re: ADVICE????

Bruiser — Tue, 26 Jun 2007 18:54:19 GMT

i would say a +20 point increase or so from my own experience

could be more, could be less, depends if you have any collections or how many derog items on each report

Re: ADVICE????

Anonymous — Tue, 26 Jun 2007 21:45:33 GMT

Congrats on paying down the CCs. The judgements don't come off even if paid. They can be disputed if they aren't updated to reflect payment though. Does anyone know if GW has any applicability to judgements?

Re: ADVICE????

fused — Tue, 26 Jun 2007 21:51:18 GMT

comin_up wrote:
TS 591
EQ 605
EX 608

I have 2 revolving accounts. i just paid down one from 2800 to 300 with max being 3200. The other is paid down from 391 to 50 with max being 400. Will my credit score increase? i know i have just changed my UT, a lot i am just concerned about my increase in points.

I paid off a judgement of 600, but i don't know how to write the letter to the 3 cc's to delete. Can someone help me out.

Yes, your scores should improve. It's best to have your CCs reporting 1-9% util for max FICO points. Since the judgment was paid, try a GW letter. No guarantee but worth a try. Use this thread:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661

Re: ADVICE????

Anonymous — Wed, 27 Jun 2007 04:02:50 GMT

thanks for all the adivce, i am going to jump right on the GW letter