HELP

[Anonymous]

 Ok Credit GURUS, I need some help!!!!  I have DV'd and PFD my way to barely any baddies left.. I am however left with a bunch of student loan derogs that wont budge until this rehab program commences in January. Original creditor purchased lender and now the agency im paying.. UGH so a toal of 12 entries for 4 loans!!   I am curious since all of m charge offs ( minus First Premier) were deleted and I have an auto loan with two 30 day lates for three years what can I do to raise my score, I currently have NO credit cards.. I feel stuck at my score I am thrilled to have gotten rid of so much in like two months includeing LVNV funding WOOHOO But what else can I do I need to see a 640 by Spring !!! 

Current FICO TU 524

Experian 565

Equafax 507

[RobertEG]

I am not surprised if your score is lingering, as with no active revolving credit, a major factor in your FICO risk analysis is absent.

Not only for now, but into the rebuilding future, you need to show use of discretionary, revolving credit.

Your credit mix, which is 10% of scoring, is now absent the most important element.

[Anonymous]

I applied for the Cap One Secured card, in your experiences within 6 months would I see a significant increase in scores if I keep the util at less than 30%? 

[Duncanrr]

Keep util under 9% and use it each month. From what I'm reading, and at your score level you should see 40-50 pt increase in that time as long as you pay other items on time and dont have hard pulls.