I want to be in the 800 club. Right now my scores are 729/714/729 I paid off all my credit cards and I only have a mortgage and a car note but all this came this way in the last 3 months before I was $9127 in debt and I just refinace my car and bought a house 2 months ago. What must I do to play with the big boys?????
All I have is a collections and thats suppose to "fall off" next year march when you say all it's is time how long do you estimate? and no there all still open.
Second, it's hard to say exactly how much time will be needed, but you've got nowhere to go but up, so don't worry. Just keep your balances low and your payments on time, and you'll get there.
