Will it help my score?

[kukumjacka]

Current scores are:

TA-536

EQ-598

EX-522

Have 2 CCs, subprime, 350 and 200 limits. Utilization is low... really low. In fact these two have helped me quite a bit.

But when I use the FICO Future feature, the only thing that will help raise my score apparently is paying on time.

My question is, will a prime CC help in any way? And what can I get with these scores? I'm thinking the 99/500 from BoA since I have a checking+savings+brokerage accounts with them.

Ideas?

[Anonymous]

i'd look at the cause of the scores and see if anything there could be worked on first. boa may be willing to do a secured card if you have a long established relationship, but it's not a given.

boa would be the only attempt i would make given thier practice of unsecuring w/history intact and willingnes to grow.

good luck!

[kukumjacka]

I have removed all collections but two in each of my reports. There is also a CO on all 3. The two collections I have are rather large, 3K in total and I am a little reluctant to pay them... yes I know I should. CO is about 7K, it keeps coming back verified but from what I've noticed it's changed a few hands so I think a DV will be a good idea for this. I get a call about once a year or so about it. Last call I received I was asked if I was ever taken to court for something similar, I told them I considered this a threat and that I was recording the call. They hung up and haven't called me since March. The rest of my credit are student loans that I started to pay last year. Started fixing my credit sometime in mid 07 and so far I've seen tremendous improvements. trying to keep up with it as much as I can.

[Anonymous]

understandable. sounds like you have a plan, just keep at it. good luck.