Hot to get score up

[Anonymous]

Would anyone know how long it might take to get around 600 if my current score on Myfico is 475.

1 Orchard Bank Card 300 with 700 credit limit

2 Orchard Bank Card 100 with 300 credit limit

3 Capitla One 102 with 300 credit limit

1 negative with Bank of America charge off

1 negative with Midland for Total Visa

Would it be wise to pay my entire balance off on my cards and lock them up. Also has anyone heard of Frederick J Hannah and are they sleeze bags and do they usually issue judgements in Florida?

Thanks

[llecs]

I'm guessing these cards are new. If they are new, they'll age over the next few months and you'll have a higher score. In any case, get these balances down. Take care of the baddies. DV or PFD or GW where applicable. Read these forums for proper procedure. With time, you'll hit 600. I'm sure there's more info in your report, but I bet you could hit it before summer. Pull also your other reports. Try also the score simulator.

As per Hannah, someone posted info about them here. Look around for more info.

[coachhenson]

I had a 468 in June and a 433 right before that.  My scores are almost a 600 right now.  Keep hammering.