cancel
Showing results for 
Search instead for 
Did you mean: 

Can't get my score up, no matter what I do

Highlighted
New Visitor

Can't get my score up, no matter what I do

hi, my score hovered at 550 or so.  Had a bunch of credit card debt, had my daughters repossesion on my report (I cosigned, big mistake).   Lost my job in 2012, and have one card with a 30-60-90 on it and another with a 30-60 on it.  Also, one collection, which I paid

 

In 2013, got a new job, tripled my income,  I got the repo pulled off my report in 2014.  It stayed at 550, why?

Collection gets removed by my request, report goes to 555, only up 5 points?

Been perfectly current since 2013 on all debt, still stays at 550-560.  It hovered up a few points, down every month.

 

Recently, paid off $63,000 of credit card debt!!!!  FICO went to 660.  Very good.

 

So, I apply for a card, get declined, due to 'too much delinquency on my report'.   The 7 bad marks on my 2 cards, which, by the way, are still active with 0 balances now.

 

How do I get my score to increase?  They are flagging me for debt and a situation from 4 years ago.

Message 1 of 4
3 REPLIES 3
Highlighted
Frequent Contributor

Re: Can't get my score up, no matter what I do

I got the repo pulled off my report in 2014.  It stayed at 550, why?

 

maybe its still on there



My credit .... It's over 9,000!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Message 2 of 4
Highlighted
New Visitor

Re: Can't get my score up, no matter what I do

No. it is gone. Was removed then. All 3 bureaus removed it. Thats not it
Message 3 of 4
Highlighted
Frequent Contributor

Re: Can't get my score up, no matter what I do

Do not give up, it will come ! 

 

Read as much as you possibly can here and learn ! 

 

Many of us have been in your shoes, so stay the course ! !

FICO :November 2016
TU-761 EQ 756. EX - 749
No Baddies
QS1 -$2,000. Care Credit $9,600.00 CHASE Freedom $3,000.00 Discover IT $1,000.00
Inq TU 4 EQ 3 EX 2
Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.