Getting to 620!!

[Anonymous]

It will be tough to get to 620 in that amount of time!  I was in your position about a year ago and just hit 620 for my middle score.  That is with me sending the creditors letters basically begging for help! I am surprised the back would even look at your offer without a approval letter from your lender.  Don't mean to be a pessimist but it takes a long time to build up a score!  I hope you can have better success than I have!

[How2increase]

Boa and Kay jewelers do not fall off until 2015 :/

I'm going to be sending out "PFD" letters to all unpaid CA.

For Kay jewelers since its no longer with the OC I might send out a DV letter. Its been sold 6 times so the information they are reporting is incorrect. Would it be better to GW Or DV?

Thanks!!! I've been sweating bullets

[How2increase]

I know it will be tough but it's worth a shot. I'm just trying to improve the score as much as possible. If we can't get to 620 we will have to try out a sub 620 lender.
So did you have any success removing baddies? You say it took a year to get to 620? What was your starting score? If you don't mind me asking.

[annielorie]

How to increase you said bank of a was sending you letter to delete lates as soon as you get it call all three bureus see if its off if not copy letter and make letter of your own to delte as for Kay jewels I would dv because they cant legally own a debt that is non existant so they wont be able to validate poof delete # 2 and the others find out what address they sent notice to if prior address grounds for PFD let me know when you get BoA deleted and if your score comes up stick with it  if you get all these things taken card of youve done all you can do

[annielorie]

How oloong has cap one been open?

[How2increase]

Thanks I will for sure keep trying.

Capital one has been open for close to a year.

[annielorie]

if you dont close for 6 more months believe me it can happen I used to do real estate then you will also get a boost to your AAoA  keep me posted!!

[How2increase]

Annielorie thanks so much!! I really do hope that we get there. I don't know how accurate the score simulator is but it says paying bills on time for 6 months will bring the score up 70 points. I'm not counting on that alone because I heard that usually you will only see a small increase.

I will for sure keep you posted it will be a looonnggg stressful process but I hope it will be worth it in the end!!

[Booner72]

The only revolving account is the Capitol One?

Do you guys know anyone that could put him on one of their CC's as an authorized user?  Just be sure 1.  They report authorized users.  2.  The account is older than his accounts.  The older the better.  3.  The utilization is going to remain zero or close to that at all times.  This is going to be hard bc you guys don't have control of the card.  OR, pay your CaP one to zero and let this one report a balance.  If the utilization is anything over 20% I wouldn't do it.  Obviously less than 20% is better.  just be sure ONE of the accounts is reporting zero at the time of the pull. 

Do YOU have any cc's you can add him to?

OP, not sure you know this so I will ask others - WHY would they continue to sell a collection that has been paid????

[annielorie]

Happens all the time thats why if you have lots of derogs on file DV is the way to go. Sometimes it gets sold in a period when you are paying.