15 point credit increase needed

[Anonymous]

Help

I need about 15 points credit score increase (EXPERIAN) to qualify for this SBA business loan.

As quickly as possible!

Any ideas/help would be very appreciated!

[Anonymous]

Personal Credit Score

[Anonymous]

Impossible to advise without knowing:

current scores/inquiries/average account age

cards you have and their balances/limits

loans you have with balance/borrowed amount

presence of any derogatory info on your reports

[AllZero]

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@Anonymous wrote:

Help

I need about 15 points credit score increase (EXPERIAN) to qualify for this SBA business loan.

As quickly as possible!

Any ideas/help would be very appreciated!

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Are you practicing AZEO? How is your reported individual and aggregate utilization %?

[Anonymous]

current scores 671

Last late payment almost 3 years ago. I've been disputing and working on cleaning up my credit. I settled and paid all my all my collections and been working on getting them removed.

I have 1 credit card $500 3% util   (I know, I need a couple more. Messed up here should have gotten 2 more)

1 personal loan for 9k. Another loan/on credit, a purchase I made for 1k. Its paid off now, hower, experian is not reflecting as paid yet. (transunion/equifax show it as paid in full)

 Have a mortgage/vehicle 5 years now, last late 3 years ago.

14 inquiries less than 1 year old

[Anonymous]

fyi

(MOD CUT - violates TOS - Jag73) tradelines that are supposed to report any time now, however they seem to be taking for ever. Problem is im afraid im going to miss SBA's deadline for stimulus help with sba loans.  Aug. 24  i believe

[BetterMoves]

Have you used Experian Boost? I think it added 7 points to mine 18 months or so ago.

Mod cut - discussion of unethical and illegal practices is not allowed 

[Anonymous]

sorry,   September 27, 2020

[Anonymous]

I've tried, however, it doesnt seem to find anything to boost. Perhaps its because I have a business bank account that i linked/use?

[randomguy1]

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@Anonymous wrote:

fyi

Mod cut- not allowed. Problem is im afraid im going to miss SBA's deadline for stimulus help with sba loans.  Aug. 24  i believe

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Careful with this. Trade lines that don't share family or addresses look suspicious and could be flagged for fraud. It can increase your bust out score.