Credit Score Improvement

[Anonymous]

I have a FICO 8 score of 606 - how quickly given the right steps could I make it into the 700's/preferably mid-700's? Please no rude comments I understand these things do take time. I am a college student, I am studying on a scholarship through an online university and I cannot afford a transfer to anywhere to live on campus as I would be losing this scholarship. My parents are emotionally abusive and I am looking to get access to high limit credit cards (not to spend, but to have a large saftey net of being able to keep usage down) as well as having a decent enough credit profile for an apartment lease soon. 

A little background - I have no collections, I just need to lower my utilization and I am working with Lexington Law currently to remove my 8 negative remarks (all late and missed payments). 

Current: Capital One Platinum - $850, Kohl's Store Card - $300, OpenSky Secured Visa - $200, Credit One Credit Card - $300. 

I am also using SelfLender to build credit and I have (in school defferred) student loans all federal totaling around $13,000 thus far.

[capricornchanges]

Hi and welcome! Question, the above credit cards, are those your current balances or limits? Either way, it’s helpful if you put both, for example if you have a Kohl’s Cc with a 1000 limit it would read: 850/1000, that would help us give you some direction. Also, most apts really just look to make sure you don’t have an eviction, you can probably call and ask for their requirements. So sorry to hear about your folks, that’s tough. Do you have extra time to work on your credit yourself? Lex Law is so exspensive and a lot of people here will help you.

[Brooklyn2018]

How long have all your accounts been open?

What is your Utilization?

How long is SOON for the apartment?

How long has LL been working on these Derogs?

[cyrusvalentino]

I wasted almost a year with Lexington Law, I’ve accomplished more credit repair by myself in 4 months than they were able to able to in 12 months. So I think versus paying them your better bet would be to take that $99 or whatever a month and lower the utilization on your existing cards, how long have you had these cards? When was the last time you got a CLI on them? When was the last time you applied for a credit card? How many inquires do you have? What is your AAoA? There’s a lot that goes into pointing you in the right direction, happy to help as I’m sure others will be as well if you give us a little more info.

[Anonymous]

I got a couple of $5,000 unsecured credit cards from My Jewelers and New Coast Direct and they really helped my scores.  Sitting at 781 now.   How long do i need to keep these cards now that i'm in my house.

[Anonymous]

Can anyone tell me how the New Coast Direct appeared on your credit report(s)? I believe My Jewelers Club reports as MAJR Financial on credit reports.

[Anonymous]

Hi, what was your score before you added those two primary trade lines?