Have read so much but still confused. Any Help???

[Anonymous]

MY SCORES ARE AS FOLLOWS  EXPERIAN 658      EQUIFAX 575       TRANSUNION  564 

THESE WERE ALL PULLED BY MY BANK. I NEED TO BE AT LEASE 640 FOR A HOUSE BUILDING LOAN.

WE HAVE PAID DOWN A CREDIT CARD BELOW THE 30% AND PAID OFF MANY COLLECTIONS AND HAVE HAD SEVERAL DELETIONS.

HOW MUCH LONGER AND WHAT SHOULD WE WXPECT TO GET OUR SCORES UP TO 640. ANY HELP WILL BE GREATLY APPRECIATED AND VERY NEEDED. WE ARE IN A CAMPER AND READY TO MOVE ON............. PLEASE OFFER ANY ADVICE/

[LIGHTNIN]

The fastest way to raise your score is to pay down the Credit Card balances, to below 10%.

And if you have any  Paid  CA's on your CR, they are still hurting your score.

Try sending some  G W letters, they do work. I have read some people just called the CA's, instead of writing letters.

Some CA's agree to GW letters and other do not.But you never know until you ask.

Good Luck to youKeep trying you will get there.

[Anonymous]

how soon after making large payments to credit cards and paying off alot should be get a copy of our credit score and where can we get that.? thank you

also just wanting a good guess here, I know you can;t say for sure put is 80 points just out of the way for a quick  increase?

[IOBA]

IMO  there are too many variables to give you an answer.    Others may come along and share their experiences.

For now, I'd follow Lightenin' response.

1.   Pay down your debt to less than 10%.   Zero is even better.

2.   Write goodwill letters asking for deletions.

To add to that, I would suggest:

3.  Do not apply for any CLI or new credit!

4.  Pay everything on time.

5.  Opt out of your credit reports.

6.  Save as much money as you can after you pay off your debt!

Creditors usually update to the CB's once a month.   If you owe anything when they update, it will report and be calculated into your DTI and FICO.

[RobertEG]

From a review of your CRs, what is the reason for the 80-90 point difference between your EX score and your other scores?

Did the collections not report to EX? 

[Anonymous]

THAT IS CORRECT. THEY DID NOT HAVE THE COLLECTIONS ON EX. THANKS

[LIGHTNIN]

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@Anonymous wrote:

how soon after making large payments to credit cards and paying off alot should be get a copy of our credit score and where can we get that.? thank you

also just wanting a good guess here, I know you can;t say for sure put is 80 points just out of the way for a quick  increase?

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To get EQ (Equifax) & TU (Transunion) FICO scores and CR's........Click on the blue tap at the top of the page.

Experian FICO can be obtained by a Bank loan officer or Mortgage