Help with getting Credit Score Up

[Anonymous]

I really need help getting my credit score up. I have was laid off for 8 months in 2008, the last three months of that lay off I was seriously late( 60-90 days) with my mortgage payments, but I have a car loan and I was never late with that payment.

How long will it take to get my credit score back up with 3 to 4 months of late mortgage payments on my record. Will the fact I have not been late on my only other loan payment help. Oh by the way I did have credit cards but the the where paid off but had high balances and the Credit Cards provider close the accounts with 0 balances and 0 owed will this fact hurt my credit also and I have two collection accounts I working to pay off within the next couple of months. I am afraid to have the CC company reopen my accounts because of the late payment with my mortgage..........if any one can help please do.

[llecs]

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

and What Steps Do I Take - great for learning the repair process.

All you can do with the mortgage, if you are current and on time now, is to send a GW asking for the removal of the lates. They'd probably like to see a year or so of on-time payments before the help in removing the lates though. If you get turned down, try again in a couple months. The 90 day is a very serious derog and that is really pulling down your score and will do so for the next 7 yrs. The 60 day is serious too, but the damage fades after a couple yrs.

If you have no open CCs, then I would call those CCCs and ask them to reopen, assuming there's no fees.

Follow the repair process on the CAs. Paid or not, the damage is the same. They need to come off and a PFD is your only option.

[Anonymous]

Thanks for the advance............will update with resolute