Which route to get the best FICO boost???

[UpAndComing74]

Alll thank you for your advise..Very informative...

I want to address llecs plan of attack as it seems thought out.   Let me run this over with you and see how it sounds.  I understand the paydown that you mention with the CC.  In actuality I can make 4 out of 5 at a $0 balance and the CU CC will be reporting still, but under the CL.  I have $$ already set aside for the PFD for LVNV and ERC so that is not in the $3000 equation.  The CO's and CA's are what is bothering me the most.  Allow me to copy and past what they say here:

Credit Account Lvnv Funding Llc

Status as of Date opened [?] Account number [?] Loan type [?] Largest past balance [?] Account Type [?] Account holder [?] Industry

Jan, 2012

Sep, 2011

XXXXXXXX1014

Factoring Company Account

$515

Open Account

Individual Account

Finance / Personal

Descriptions [?]

• Placed for collection

Collection on debt to:

11 Sprint

The collection agency "Enhancrcvrco" was hired to collect a debt of $228 originally owed to "11 Sprint" on account number "XXXXXXXX".

Collection agency [?] Original balance [?] Current balance [?] Date assigned [?] Original lender [?] Account number [?] Account holder [?] Account descriptions [?]

Enhancrcvrco

$228

$228

Oct 13, 2011

11 Sprint

XXXXXXXX

Individual

Placed for collection

Collection on debt to: 10 At T

The collection agency "Eos Cca" was hired to collect a debt of $210 originally owed to "10 At T" on account number "XXXXXXXX".

Collection agency [?] Original balance [?] Current balance [?] Date assigned [?] Original lender [?] Account number [?] Account holder [?] Account descriptions [?]

Eos Cca

$210

$0

Sep 14, 2011

10 At T

XXXXXXXX

Individual

aid collection

Now heres the wierd one....Its for NCO for a Nationwide Bill.  I paid the OC before it was reported.  I pulled my report on 2/15 and its there...but I called TU today and they said they DIDNT show it. What gives??????

Collection on debt to: 06 Nationwide Insurance

The collection agency "Nco Fin /99" was hired to collect a debt of $160 originally owed to "06 Nationwide Insurance" on account number "XXXXX1928".

Collection agency [?] Original balance [?] Current balance [?] Date assigned [?] Original lender [?] Account number [?] Account holder [?] Account descriptions [?]

Nco Fin /99

$160

$160

Dec 31, 2011

06 Nationwide Insurance

XXXXX1928

Individual

Placed for collection

I have already disputed the other CO's with the CRA's.  It under investigation until 3/02/12.  I have sent regular mail to Enhanced Recovery asking for a PFD 2 weeks ago..no response.  I called them this am and it took two reps to find me by name. They dont have me by social.. Are you saying start the process anew and DV them and then PFD or let teh CRA disputes run its course, then wipe the slate clean and start over?  Please advise.

THANKS!!!!   And what does OP stand for?

[Anonymous]

OP stands for "Original Poster" which is you!