I would get 2 more secured cards to maximize scores. Do you have an installment loan (not a personal one) reporting?
Your scores are being held down by the negatives. I would recommend clearing those first. Once those are PIF/PFD, that should give you a healthy bump.
Once the baddies are off, that should help you get into unsecured cards (Disco, Cap1 and Amex are usually good with thin files)
Once the baddies are off, that should help you get into unsecured cards (Disco, Cap1 and Amex are usually good with thin files)
Ideally, it is what works best for you - IMHO - tackle those that are the easiest or the ones that are incorrect. Once those are off, you'll start seeing an increase in your CS.
One strategy I've seen people do is tackle 1 per month. If you can do more, the better.
Example - a friend of mine had a negative from Comcast for $1xx, it was for "failure to return equipment". He reached out to the CA and they said to reach out to Comcast. He was able to (after jumping through only about 3000 hoops) to confirm that the equipment was returned and then the debt was recalled and removed. Ended up taking 2-3 months for it to be removed completely.
The point is that - remove what you can dispute and know is wrong. Have proof so you have a leg to stand on. Once those are gone, attack those that are legit and PFD, PIF and/or have OC recall the debt so that it can be paid.
@xaximus wrote:
Your scores are being held down by the negatives. I would recommend clearing those first. Once those are PIF/PFD, that should give you a healthy bump.
Once the baddies are off, that should help you get into unsecured cards (Disco, Cap1 and Amex are usually good with thin files)
+1, Iwould with the ones that are newest with the change offs first.
