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My current credit scores are TU 589, Equifax 522 and Exerpian 603. In Auguest a lender pulled my scores and they were TN 577, Experian 544 and Equifax 523. The lender indicated that my middle was 544. As of this month I have the followig on my CR: car loan $532, Dept of Edu $26, 827 (payments deferred until 2020), LVNV Funding $654 (making monthly payments), NCC Services $3431 (making monthly payments), United Consumers $144 (paid), Transworld Sys Inc/33 $183 (paid), Transworld Sys Inc/33 $61 (paid), Transworld Sys Inc/33 $61 (paid), Meridian Financial Mgmt $123 (paid), Meridian Financial Mgmt $676 (making payments) Captial Bank (Carson Smithfield LLC) $153 (paid). There are three outstanding collections I am working to pay off. I've sent letters to United Consumers, Captial Bank and Meridian asking for "Goodwill Adjustments". I also obtain a Captial One card in Aug to establish a creditable payment history in order to obtain a mortgage.
Having stated all of the above, what suggestions or guidance would anyone have to increase my scores?
Thanks so much in advance for all assistance
Removal of those major baddies needs to be Priority Number 1.
It sounds like you're on the right track, having sent a few letters for GW adjustments. I'd suggest sending a ton more letters, though. To read about this, known as the Saturation Technique, check out the thread linked below.
Great plan!!! Thanks so much for this advice. My first real round will be going out on Monday.
Thanks again!
@Anonymous wrote:My current credit scores are TU 589, Equifax 522 and Exerpian 603. In Auguest a lender pulled my scores and they were TN 577, Experian 544 and Equifax 523. The lender indicated that my middle was 544. As of this month I have the followig on my CR: car loan $532, Dept of Edu $26, 827 (payments deferred until 2020), LVNV Funding $654 (making monthly payments), NCC Services $3431 (making monthly payments), United Consumers $144 (paid), Transworld Sys Inc/33 $183 (paid), Transworld Sys Inc/33 $61 (paid), Transworld Sys Inc/33 $61 (paid), Meridian Financial Mgmt $123 (paid), Meridian Financial Mgmt $676 (making payments) Captial Bank (Carson Smithfield LLC) $153 (paid). There are three outstanding collections I am working to pay off. I've sent letters to United Consumers, Captial Bank and Meridian asking for "Goodwill Adjustments". I also obtain a Captial One card in Aug to establish a creditable payment history in order to obtain a mortgage.
Having stated all of the above, what suggestions or guidance would anyone have to increase my scores?
Thanks so much in advance for all assistance
I think you're doing the things you're supposed to be doing. Keep on going the way you're going and things will pick up.
Thanks so much!