All the cleanup has been done, I am left with: - one public record (satisfied judgment Cap One, Oct 2002) - Cap One (the case from above) showing also as chargeoff - mortgage lates, no lates in the last 12 months - collection from 2002 (SBC California, a ridiculous amount, Palisades Coll.) - "paid after chargeoff" First Premier, 2002, GW letter sent four CC's - Orchard HSBC, limit $ 950.00 2 years, never late, balance $ 10.00 - Aspire Card, limit $ 850.00 18 months, never late, balance $ 7.00 - Credit One, limit $ 750.00 2 years, never late, balance $ 6.50 - First Premier, limit $ 250.00 (!), 18 months, never late, balance $ 5.00 Mortgage payments on time 12 months last late was 13 months ago length of credit 12 years. not purchased the other two scores (too expensive) I want to refi a 560,000 mortgage and need a better score for better rate should/could I apply for a more prime credit card (don't really need credit) Time is of essence, I am paying a sub-prime lender rate, what else can I do to improve score?
TU and EX = 820 EQ = 821
I came straight out of Hell
