How to get credit score to 800

[ladyvg270]

I have ten things on my credit reports

1. Norfolk financial was 515 now bal 399 I set up where i could pay 20.00 a month

2. Money recovery doctor bill 259

3. Money recovery doc bill 600

4. Money recovery doc bill 259

5. Credit one bank 0 bal i paid it after it went into collections

6. swiss colony bal 0 i paid after it went into collections

7. Dte 0 bal they will not change that to good debt until 2014 i have paid my full balance every month sense sept 2008.

 8.Comcast which i just did a pay for delete they should be deleting it soon. 

Good standing

 1. Michigan first overdraft protection 500 cl bal 0

2. Motorcity credit union overdraft pro. 500 cl bal 0

3 Motorcity credit union visa credit card 500 cl bal 0

4. Mich first unsecured loan 6mons 500cl bal 0

5. I have a student loan for 5,000 dol that is on hold until i get out of school its showing in good standing.

6.Imagine credit card 500 cl bal 0

7. Macy 200 cl bal 40.00

All of these accounts have been opened in 2008 and i have never been late and i just paid them all off to 0 balance as of the end of January 2009.

I have atleast 18 inquires on my credit which i heard is not good, so whenever i try to apply for credit i get denied bacause the say too many open accounts, too many inquires. So can someone please tell me what i need to do and what i need to stop.

[Anonymous]

Hi!

1. Stop applying for credit! Repair first, rebuild later.
2. Follow the HIPAA process for medical debt (sticked at the top of this forum) when you can afford to pay. And, be sure to follow the steps exactly, beginning with opting out.
3. Send goodwill letters to credit one & swiss colony. It may work, it may not. But, it only costs the price of a stamp, and you get a shot at a sympathetic ear.
4. What exactly is DTE reporting?
5. After you've cleared your medical debt, and after your 18 INQs have all celebrated a birthday, try to get CLIs on your existing cards. Because you do already have credit, let any remaining baddies (that you may not have been able to goodwill) age to 2 years. Then, go for a major bank card (like BoA or Chase).

It'll take some time (years) to get to 800. Fortunately, even the creditors who really want to stick it to you cannot stop the passage of time. And, as far as FICO scores go, times will heal all wounds. Keep paying on time. Don't accumulate any more baddies. Work on the medical debt. Keep goodwilling the other paid derogs, and let time take care of the rest.

[ladyvg270]

This is what DTE is showing. they have not updated it for feb 2009 yet its 0 balance

Status:
Open/Current, was past due 60 days.
Status Details:
As of Mar 2015, this account is scheduled to go to a positive status.
This item was verified and updated on Sep 2008.  
Date Opened:
03/2006 Date of Status:
07/2008 Reported Since:
12/2006 Last Reported Date:
01/2009
Type:
Utility Terms:
1 Months  Monthly Payment:
$0 Responsibility:
Individual 
Credit Limit:
$728 High Balance:
N/A  Recent Balance:
$92 Recent Payment:
$65  
Account History:
60 days as of Jun 2008, Jan 2008

[llecs]

I take it that DTE is the name of the public utility.

All you can do with DTE is to send a GW.

[ShanetheMortgageMan]

Hi ladyvg270, kind of off topic here, but I Googled "+comcast +"pay for delete" and this thread came up.  I have a client who has a Comcast collection and she said that Comcast would not do a pay for delete "It is our policy not to delete any accurate information" blah blah blah response... but apparently it isn't or you wouldn't be reporting some sort of success.  Would you be willing to share who you spoke with, what you wrote, etc.?  I will PM you about this and only this as well.  Thank you.

[Anonymous]

---

@Anonymous wrote:

Hi!

1. Stop applying for credit! Repair first, rebuild later.
2. Follow the HIPAA process for medical debt (sticked at the top of this forum) when you can afford to pay. And, be sure to follow the steps exactly, beginning with opting out.
3. Send goodwill letters to credit one & swiss colony. It may work, it may not. But, it only costs the price of a stamp, and you get a shot at a sympathetic ear.
4. What exactly is DTE reporting?
5. After you've cleared your medical debt, and after your 18 INQs have all celebrated a birthday, try to get CLIs on your existing cards. Because you do already have credit, let any remaining baddies (that you may not have been able to goodwill) age to 2 years. Then, go for a major bank card (like BoA or Chase).

It'll take some time (years) to get to 800. Fortunately, even the creditors who really want to stick it to you cannot stop the passage of time. And, as far as FICO scores go, times will heal all wounds. Keep paying on time. Don't accumulate any more baddies. Work on the medical debt. Keep goodwilling the other paid derogs, and let time take care of the rest.

---

I know this is an old post, but I was searching for any info ppl may have put in about Swiss Colony & I wanted to add here that they are not into GW or PFD or even being civil - don't waste your stamps -

[JoeBJay20]

Check your PM shortly, I'm going to send you an email address for DTE.