Best plan...who has it?

Anonymous · ‎10-03-2018

Late payment 4 (She thought she had the payments set up via an auto draft when she realized it wasn't getting paid she was at 4 months)

1 Negative Public Record (Experian...Discharged BK, set for removal 06/19)

Debt utilization is 4%

Accounts 2 (One Capital One @ 300.00 and Discount Tire @ 500.00)

The latest open account is 1 yr and 10 months old

Inquiries in the last year...Zero

AA is 4yrs and 1 month

AaOA is 8yrs and 7 months.

Experian Score 533

Transunion 587

Equifax 557

Now that you have all that data, what is the best course of action to have her Credit score increased?

Anonymous · ‎10-03-2018

There is no best plan here, as there is only one plan...

Remove the negative items. Their presence seems to be the only factor massively holding back those scores. Hitting up the rebuilding forum and reading a bunch there will definitely educate you on the best course of action to deal with the removal of negative items on your CR.

Anonymous · ‎10-03-2018

Thanks brutalbodyshot but the credit isn't mines, a friend saw me on the site and asked me to inquire. I instructed her about the negative items too.