HELP PLEASE

[dangphuocloc72]

 Hi ! on my credit I have 32 inquiries on EQ , 12 on EX , 7 on TU also one public record on 2001 , and one negative ( verizon phone bill ... I dispute EQ they delete ) still bad on TU and EX ( try to Dispute many time still there . Can You guys help me how can I make my score go up ( EX 677 , EQ 641 , TU 605 ( TU I don't know why my Score low )

I have credit card Cap one CL 500 ( one year old )

First Premium CL 350 ( 6 month )

financial CL 300 ( 6 month )

Gas card CL 300 ( 6 month )

just 2001 BMW 3 moth ago ( rate % 18)

One bankofamerica CL 11500 ( new 2 moth ago ) my wife mom ower , i am behind her name ( they report my credit too ( balance $ 4300 )

And I pay the house $3000 a month from my Checking account . my wife mom ower ( but she don't have money to pay ) ( she have very good credit score )

My point is Try to make credit score go up for refinan my car and took over the house under my name with lower rate . please help me , thanks a lot .

[Anonymous]

to begain with check out the other tread...credit issues. you will see many much more info.

This thread has more info. about gettin new CC.

Ok, any account that has any late payments or baddies count against you.

bankofamer   only dispute this if there are any baddies. If there are no baddies on the account it will help you. IF there are late payments or any other baddies it will hurt you. In that case dispute it on all 3 CRA as not mine.

What you pay for (house pmt) does not mean anything UNLESS it is a mortgage pmt & in your name.

On your CC  do you use them?  how much is on them? are there any baddies?

CC must be used to show credit history...you do not have to use all the time just 1 time for small charge & then PIF.

Public record????  what is it

READ this see if it helps

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=11303

I am kinda new & am still learning. Check out the thread under  GENERAL CREDIT ISSUES...you will find help on any of these threads but I think that is the one which will help the most.

The people here are very nice & will offer any help that they can. There are also several people that we call PROS. they know much more then most of us.We call them this for that reason only.

Message Edited by HappyDays on 07-25-2007 12:57 PM

[Anonymous]

omg please forgive me. You are on the correct thread! I was on the wrong one.

[dangphuocloc72]

hi ! thanks a lot

all my CC after I used it I pay off ( balance some month over 70% I am scare they not happy if I used a little bit ), and never been late . Bankofamerica I used for pay off my another loan ( 8000) in 2 month I paid back $ 4000 ( this bankofamerica just been open two month )

Public record is 2001 I can't not pay my car ( toyota .... $ 4300 ) and I pay in full at the court same year .

Thanks a lot .

sorry my english not very well .

[dangphuocloc72]

Oh I just check my FiCo EX 675 . TU 655 EQ 642

Verizon bad ( paid collection ) I hate them , never open account for them . Try to dispute many time but Can't remove TU and EX

Child support been late 120 day , now ok

One colection Sprint phone been paid colection ( I try to dispute them ) EX already remove it . still EQ and TU

public record on TU and EQ

All CC open too new

[Anonymous]

Dang, your scores come from more then just getting & paying for a CC.

 They look at how old your credit is. There is nothing wrong with the scores that you have. YES they can get better but They are pretty good right now.

As to the verizon   You said that you paid??  When and what was the DOFD?

Same for  sprint   DOFD??

tell me what it says from your report.

Status and dates

Also  bank of am. what does it say  under responsibilty

[dangphuocloc72]

TU Bank Of America 6667XXXXX 5/2007 $4,391 OK                

    Verizon Va 345XXXXX 3/2005 $0 Payment after charge off/collection

- Child Support ok   Was past due 120 day

EX Bank Of America 6667XXXXX 5/2007 $4,391 OK2/2006 $0 OK  

 Verizon Virginia Inc 345XXXXX 3/2005 $0 OK/was Collection

Va Child Support 3175841XXXXX 9/2003 $0 OK/was past due

EQ  Bk Of Amer XXXXX 5/2007 $4,391 OK  

sorry I try to copy all my credit report put in here , but I can't . thanks a lot