Cleaning Up

Cvfmays · ‎03-30-2023

Hey guys I've been repairing my own credit for about 4 months now ...

like most I'm older and fixing my mistakes!

My Experian Fico started at 556 and I started by paying down all my credit cards

OpenSky : $250 cl

Cap 1: $2200 cl

Credit One: $600 cl

Self Lender: $800 cl

I also had two collections that I paid and are now deleted!

My Experian Fico is now 612

Now all I have are some late payments that I've sent some letters on. Hoping the card co extend some grace and remove but not holding my breath! Other than that I don't know what else I can do. Any recommendations or helpful tips. I also have two charge offs with NFCU and First Premier that I have agreed to settle for the full balance and paid. Once they report as paid will that help my revolving utilization?

Bmom · ‎03-31-2023

How much is owed on each of the accounts you gave credit limits for?

EQ 784, TU 700, EX 683
Mortgage 5, 4, 2: EQ 783, TU 683, EX 661

Starting (started months ago, checked scores after some improvements): EQ 599, TU 653, EX 672
Mortgage 5, 4, 2: EQ 592, TU 657, EX 639

Cvfmays · ‎03-31-2023

Nothing but $100 on capital one

FireMedic1 · ‎03-31-2023

Whats holding you up in the baddie dept?

Homeowner Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my recovery after BK from learning here. Started 540's. EX FICO 9 801 as of 05/03/2023. I stayed around to pay it forward for those who helped me back then.

Cvfmays · ‎03-31-2023

The charge offs? I paid them but they haven't updated on my report yet..

FireMedic1 · ‎03-31-2023

Wait till then. Once they are all 0'ed out on all 3 reports. Your aggregate util % will drop. Monthly updating will cease. And then the score rise.

Homeowner Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my recovery after BK from learning here. Started 540's. EX FICO 9 801 as of 05/03/2023. I stayed around to pay it forward for those who helped me back then.

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