I've decided to begin tackling the baddies on my report. I called a collector, paid my whopping $6 bill that was in collections and got a deletion letter on the spot. The office happened to be local so I just went straight there and got it taken care of.
That being said, I don't think removing a $6 collecition is going to help bring my score up. But, it's a start. I have 2 old derogatory accounts falling off this year. My FICO is currently at 642. I'm gardening until futher notice.
My goal is to have a 700 score in the next 5 years lol. I know it's long term- but we have a 5 year plan to sell our current home and move into something bigger. If I reach that goal sooner, I'll bump the goal up. 
@Anonymous wrote:
I've decided to begin tackling the baddies on my report. I called a collector, paid my whopping $6 bill that was in collections and got a deletion letter on the spot. The office happened to be local so I just went straight there and got it taken care of.
That being said, I don't think removing a $6 collecition is going to help bring my score up. But, it's a start. I have 2 old derogatory accounts falling off this year. My FICO is currently at 642. I'm gardening until futher notice.
My goal is to have a 700 score in the next 5 years lol. I know it's long term- but we have a 5 year plan to sell our current home and move into something bigger. If I reach that goal sooner, I'll bump the goal up.
Welcome to the forum.
Good beginning. If those are the only collections, then you might see 700 sooner.
Welcome to myFico OP
@Anonymous wrote:
I've decided to begin tackling the baddies on my report. I called a collector, paid my whopping $6 bill that was in collections and got a deletion letter on the spot. The office happened to be local so I just went straight there and got it taken care of.
That being said, I don't think removing a $6 collecition is going to help bring my score up. But, it's a start. I have 2 old derogatory accounts falling off this year. My FICO is currently at 642. I'm gardening until futher notice.
My goal is to have a 700 score in the next 5 years lol. I know it's long term- but we have a 5 year plan to sell our current home and move into something bigger. If I reach that goal sooner, I'll bump the goal up.
Welcome to myfico, also if u have good payments and the right amount of revolving accounts and mix of credit and a clean record you will surely be over 700 score within no time I would say less than a year
Welcome, and I think you are well on your way to reaching your goals!
