First off, I am SO glad I found this site! I just pulled my CR and found it was 437 OMG!! I knew it was low, but I didn't think it was THAT low! Anyhow, I am now on a serious mission to get that up! I plan to start with sending PFD letters, but have a few questions.
There are a couple of items on my CR for the same debt posted by the OC and CA, do I send the letter to both of them or only the CA? Also, should I have disputed the items with the CRAs BEFORE sending the letters or should I wait to see what their responses are from the PFD letters? I know these questions may seem silly but I'd rather know now before I mess this up.
I really want to get my score up to at least 600 in the next 6 months or so. Actually my score watch told me that I gained 17 points today, so now I'm at 454 (still bad, but better). I think it was because I got a credit card that was posted today because I made a payment. That's the only CC I have (though I am an AU on another CC). Should I maybe try for a few more to see if I can get a few more pts., or will that hurt more than help?
Also, my fiancee has pretty rough credit as well, so we will be working on his at the same time as mine. I think his was in the 500s or so. He bought a car for me in 2005 which he has paid on time each month since then (almost 2 years), do you think that should have had a positive affect on his score? We haven't actually checked it since then, but I'm hoping he got alot of pts for that. Most months he has paid more than the required payments.
Thanks alot for listening this long. I will wait for your responses before I start sending out letters.
Ms. T
FICO 9/1/07 FICO 9/26/07
TU--534 TU--538
EX---552 EX---562
EQ---454 EQ---454
