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    <title>topic Any suggestions? in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-suggestions/m-p/1643380#M212567</link>
    <description>&lt;P&gt;I'm looking for suggestions on how to get my score to increase, so any suggestions would be greatly appreciated.&amp;nbsp; My&amp;nbsp;scores in August were Experian 512, Equifax 562, and Transunion 590 these are from a mortgage pull.&amp;nbsp; Since those scores, I have had a foreclosure removed from my Experian, and a recent 30 day late removed from all three reports.&amp;nbsp; The crazy part is that my scores did not go up from having the 30 day late removed, nor the foreclosure removed from Experian.&amp;nbsp; I want to purchase a home so I’m really trying to get my scores up.&amp;nbsp; I paid a tax lien off in June 2012 and my score dropped 90 points.&amp;nbsp; The lien was from 2009, I thought it would give me points.&amp;nbsp; I have several collections left and all of them fall off the beginning of 2014.&amp;nbsp; I’m scared that if I start to pay those, my scores will drop even more.&amp;nbsp; I have two First Premier accounts that are charge offs that are being considered in my utilization according to My Fico simulator.&amp;nbsp; None of the collections are willing to do PFD, I have tried.&lt;/P&gt;</description>
    <pubDate>Sun, 14 Oct 2012 22:02:05 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2012-10-14T22:02:05Z</dc:date>
    <item>
      <title>Any suggestions?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-suggestions/m-p/1643380#M212567</link>
      <description>&lt;P&gt;I'm looking for suggestions on how to get my score to increase, so any suggestions would be greatly appreciated.&amp;nbsp; My&amp;nbsp;scores in August were Experian 512, Equifax 562, and Transunion 590 these are from a mortgage pull.&amp;nbsp; Since those scores, I have had a foreclosure removed from my Experian, and a recent 30 day late removed from all three reports.&amp;nbsp; The crazy part is that my scores did not go up from having the 30 day late removed, nor the foreclosure removed from Experian.&amp;nbsp; I want to purchase a home so I’m really trying to get my scores up.&amp;nbsp; I paid a tax lien off in June 2012 and my score dropped 90 points.&amp;nbsp; The lien was from 2009, I thought it would give me points.&amp;nbsp; I have several collections left and all of them fall off the beginning of 2014.&amp;nbsp; I’m scared that if I start to pay those, my scores will drop even more.&amp;nbsp; I have two First Premier accounts that are charge offs that are being considered in my utilization according to My Fico simulator.&amp;nbsp; None of the collections are willing to do PFD, I have tried.&lt;/P&gt;</description>
      <pubDate>Sun, 14 Oct 2012 22:02:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Any-suggestions/m-p/1643380#M212567</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-10-14T22:02:05Z</dc:date>
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