In three months I have made progress thanks to things I have learned here.
EX 641 EQ 728 TU 640
EX 711 EQ 749 TU 722
Here are some of the reasons.
1) When I began I had only one credit card -- secured from First Premier. I now have two additional cards from Cap One and Discover.
I am also making sure I keep the utilization below 8.9 per cent.
2) When I began I had no loans. Now I have a Shared Secure Loan from Navy Federal. More than 91 per cent has been paid back.
3) When I began I had two collection notices on Experian and Trans Union, and none on Equifax. Now I have one Experian and Trans Union. Those collection notices are from 2012 -- they will come off next year.
Any suggestions on what I can do to get the numbers even higher? (Besides getting the collection reports off of Experian and Trans Union)
Well you know you need to get the remaking baddies gone, but it sounds like they will be gone soon anyway. I would say to just garden a while and let your accounts age. I’m sure you have read credit building is a marathon and not a sprint. You’ve made some great progress so just keep growing it.
i acutally have no exact idea. i have been doing all these things at the same time.
i am sure it helped however.