So here's my situation.. in college i screwed up majorly with cc's. I graduated, and financially recovered, and began to understand just how important good credit is. I was making a six figure salary but got awful intrests rates. Well since graduating 3 years ago ive made great strides.. ive come from the low 500's fico to having eq 661, tu 668, and im unsure of ex but im assuming its in that range. Ive paid every bill on time.. i have 2 cc's a capital one with a CL of 1,000, and a WAMU with a CL of 4,500...i still have a couple collection accounts and im unsure how to handle them..one bank charge off, that was sold to a collections agency and both are now on my credit.. who do i work with and try and pay for delete?? the bank or the collection's agency??? and what else should be done to increase my FICO?? more credit?? should i switch capital one credit cards for another with a larger credit limit?????
HELP!!!!!!!!!!
