Hello everyone I need to clean up my credit and looking to have a massive score increase by spring. Here's what my credit report contains:
Collections:
Jefferson Capital- $740;
Macys-$533
Kay Jewelers- $545
Marauder Corporation- $315
Helvey and Associates- $148
FAST- $53.16
Express- $223
Ford Motor Credit- $3415; write off as profit and loss/chargeoff
RJM Acquisitions- $0 paid in full; I talked to them about removing the item; they agreed but should I get that in writing?
NCO/Citibank- $0; paid in full
Security Finance-$0 paid/120 late
Target- $187; current pays as agreed
Redstone Federal CU- $324; never late pays as agrees
More student loans than I can count -but are in deferrment
The Jefferson Capital is for an MasterCard account I had. I made arrangements to pay that one off within the next month. The same with Macy's that will be over and done with on Jan 7th. I am disputign the Maraduar Corp bc that just showed up today! :-(. The FAST Collections, Helvey and Associates and Express have all been paid but it is not yet reflecting such. Everything else Im working on. Now I need some advice. What is the best strategy to go about increasing my scores drastically? I really need a car and no one will touch me without a massive down payment. Im really struggling with trying to pay off my bills and paying $600/month to get to and from work. Someone please help!!!!
Scores: TU:566, EQ-438, EX-??
