score 610 looking for 760+

[Anonymous]

Ok this is the first time i have gotten a Fico report or score ive done the free credit report last few years though

im currently looking too buy my first home but i have some time before im getting serious into it and i want to raise my score to get a good rate on the loan preferrably 760.

currently at 610 with a credit history of 5 years and a average account age of 2 years

Total balance of Your revolving accounts [?] $2,239   Your mortgages [?] None   Your installment loans [?] $5,439   Total number of Accounts [?] 5   Accounts with balances [?] 4   Accounts opened in past year [?] 0   Recent inquiries [?] 0   Collections [?] 1 Public Records [?] 0

the revolving is a auto loan

one of the credit cards i have allrdy paid off but hasnt been reported yet

also 214 in collections for a cancelled cell fone bill i cancelled myself but got charged extra fees for terminating

i am thinking the collections as my first target would it matter if it was paid off over time or in one shot to have aaffect on the score within a year?

also the collections is 6 months old so its fairly recent 2 CCs had missed payments one almost 2 years ago and was paid off and a 3rd i just paid off almost 4 years ago

also would applying for more cards be a good move since the credit length isnt long to begin with?

[pattycake]

Welcome to the forums!  I would PFD that cell phone charge.  Do a few searches on the fixing your credit board and you'll get an idea of how to do that.  I think that should bring up your score some.

My score was 615 about three and a half years ago.  It's taken this long for it to go up to where it is now.  

[Anonymous]

was reading up on PFD letters for the collection was wondering if i should try this

also how much should i put as the amount offered

[MattH]

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@Anonymous wrote:

was reading up on PFD letters for the collection was wondering if i should try this

also how much should i put as the amount offered

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On a PFD you had better offer to pay the full amount owed, the whole point of PFD is by offering to pay up quickly and in full without hassle you give them an incentive to agree to delete the baddies.  You might be able to negotiate a settlement for less than what is owed but that will trash your FICO score.