HELP! NEED 2 MORE PTS!!!!!

[Anonymous]

I have been working on my credit score so that I can purchase a home. I need a middle score of 620. In september my scores were ex628;efx583;tru521. As of today ex647;efx611;tru618. Can anyone give me any advice on how to get those last 2pts I need to get financing for my home.

[llecs]

How's your CC utilization? That's the fastest way to impact your FICO score.

[Anonymous]

I have 3 CC's and their all at a 0 balance. 

[DI]

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@Anonymous wrote:
I have 3 CC's and their all at a 0 balance. 

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Do you have a small CC balance reporting on your credit reports?   Scores are help by showing CC utilitazation.  You  may PIF in full each month, but you still want a small balance to report to gain higher scores. At least one of the CC tradeline should show a small balance ever so often. 

[Jazzzy]

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@Anonymous wrote:

I have been working on my credit score so that I can purchase a home. I need a middle score of 620. In september my scores were ex628;efx583;tru521. As of today ex647;efx611;tru618. Can anyone give me any advice on how to get those last 2pts I need to get financing for my home.

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What is causing your scores to be at this level? Do you have charge-offs, collection accounts?

If so, have you tried to goodwill them or pay-for-delete them off your reports?

Do you have a family member with a well-aged credit card with no utilization that they could add you on as an authorized user? You don't want utilization on the card....and you want it to be older than your average of accounts. That might give a boost.

But all this takes time to get reported. What is your timeframe?

[haulingthescoreup]

OP, where did you pull your scores? Unless you've already applied for a mortgage, or you belong to PSECU (a credit union in Pennsylvania), that EX score is a FAKO. Experian stopped allowing consumers to buy their own EX FICO scores last February.

If you pulled your scores from a credit monitoring service, etc., they probably aren't correct the scores that your lender will pull (FICO's.) You can find out your FICO EQ and TU scores, here, and I think they're running a discount at the moment.

Your scores may well be higher than you think they are. Also, the score reports that you get with your FICO scores will give you an idea where to concentrate your energies.

[Anonymous]

I got my scores the day i wrote the post from the motgage company. All other scores i got from this website. I learned early on about the fako scores. So I pull my tru score today off of my fico and my score has dropped to 612! I don't know whats going on. All 3 of my CCs are reporting a 0 balance. I have 6 credit inquiries for the whole year of 2009, 4 of which are all from the mortgage company pulling my score once a month to see if i have the points. I have 1 bankruptcy from back in 2002. I've been using a credit repair agency since sept which is why my score has jumped up so fast. in sept exp628;eqx583;tru521. Dec 07,09 exp648;eqx611;tru618. Tonight my tru score is 612 howed that happen? the only thing left on my credit is 2 charge off accts one for $710 and one for 700 charged off in 2006. one acct I found was reporting delinquent 41 x's 90days late after the charge off. I talked to the company and they told me they would get it fixed for me and it would be quicker to fix it if the credit bureu would dispute the delinquencies and not the balance. The delinq. are reporting on my eqx reprt the other 2 bureues are reporting correct. The only other acct i hav open is for my auto loan $15500 in good standing, By the way all of my CC have always been in great standing. I do have a lot of financing acct on credit rept. all have been closed in good standing. last one reported back in jan of 08 paid as ageed 1 30 day late on acct back in 06. all the rest were open and closed back from 2000-2005. theres nothing new on my credit other than the inquiries from mortgage co. So what should I do? and why did my score drop from 618 to 612 in a matter of a couple of days? I'm starting to think the disputes are starting to hurt me more than helping. what do you think? Over 50 disputes or more in the last 4mths. 75% of it taken off reports. Any replies are welcome. Thanks

[haulingthescoreup]

What are the negatives listed on screen 2 of your FICO report(s), both the most current one and any older ones?

Are these negatives changing order, or are new ones appearing?

The negatives are the factors that drive your scores the most.

I'm concerned about all the disputes. Depending on how they are coded, they could be taking account age out of your history, making you look younger and younger.

What's your current AAoA, if they listed it (as a positive or a negative), and what's your revolving util?