I have a repo that is schedule to fall off by the end of the year. I have 4 delinquent accounts totalling about 2k from about 2 years ago (all are OC on my credit report, no CA as of yet) and should have the few small collectoin accounts off my credit report in the next few weeks
I have three old positive (no lates, paid in full) auto tradelines on my CR. Once the repo falls off (or I get it removed through dispute), how would that affect my FICO Auto score? I imagine it will be much better since there is no longer a repo on my report.
I only have one open account right now, which is a car loan in which I plan on trading in, which has no lates and is in good standing.
Should I use (in moderation) my store cards (thank you shopping cart trick) and pay them or would that not really affect the auto score? I'd rather not use them if I don't have to.
Is it going to make that big of a difference to wait for the repo to fall off since it's so old?
I'm moving into an apartment soon so I want to be able to apply with the address that I've been at for over 15 years (I am guessing this will look better on application)
