https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1739414#M222284 <P>You could try to PFD the CO, plus you could try and GW the lates on your mortgage.</P> Sat, 08 Dec 2012 04:03:04 GMT Shogun 2012-12-08T04:03:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1739408#M222282 I have a mortgage, 2 car loans that report to Equifax, furniture loan, and a Kay card all pays as agreed. I have a charge off from First Premier, dish network collection/co, and a co for $495 that reached the 7 year mark this<BR />month. My scores are still low as I had trouble being on time with my mortgage for a while butmanaged to save it. What else can I do to help raise my scores? Thank You Sat, 08 Dec 2012 04:00:35 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1739408#M222282 ktm214 2012-12-08T04:00:35Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1739414#M222284 <P>You could try to PFD the CO, plus you could try and GW the lates on your mortgage.</P> Sat, 08 Dec 2012 04:03:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1739414#M222284 Shogun 2012-12-08T04:03:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1742228#M222641 Would i try and pfd the first premier or the one that just hit 7 years, or both? Mon, 10 Dec 2012 04:21:47 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1742228#M222641 ktm214 2012-12-10T04:21:47Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1742246#M222642 <P>You could try both. &nbsp;If the one that just hit 7 years, if it's 7 years from the DOFD then it's close to falling off.</P> Mon, 10 Dec 2012 04:35:54 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Situation/m-p/1742246#M222642 Shogun 2012-12-10T04:35:54Z