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Help / Boost FICO score by 30 points in 60-90 days

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Help / Boost FICO score by 30 points in 60-90 days

Based on the credit profile below, what is best practice for boosting FICO 20-30 points in 60-90 days?

 

485 EXP / 584 TU / 576 EFX

 

Positive Trade Lines

  • Auto Loan - 15 months reporting / No lates
  • Student Loan - 15 months reporting / No lates
  • Student Loan - 4 months reporting / No lates

 

Derogatory Accounts

  • Collection (Utilities) - Date last active September 2016
  • Collection (Utilities) - Date last active September 2016
  • Collection (Comcast) - Date last active July 2016
  • Collection (The Cash Store) - Date last active March 2015
  • Medical collection - Date last active June 2014
  • Medical collection - Date last active August 2013
  • Charged-off Revolving Account (Furniture Store) - Date last active April 2013

 

I've been looking into the following trade lines as options:

 

  • Discover It Secured Card ($200 deposit)
  • FingerHut
  • MyJewelersClub
22 REPLIES 22
Established Contributor

Re: Help / Boost FICO score by 30 points in 60-90 days


  • Collection (Utilities) - Date last active September 2016 AMOUNT? TO WHOM?
  • Collection (Utilities) - Date last active September 2016 AMOUNT? TO WHOM?
  • Collection (Comcast) - Date last active July 2016 AMOUNT?
  • Collection (The Cash Store) - Date last active March 2015 AMOUNT?
  • Medical collection - Date last active June 2014 AMOUNT? TO WHOM?
  • Medical collection - Date last active August 2013 AMOUNT? TO WHOM?
  • Charged-off Revolving Account (Furniture Store) - Date last active April 2013 AMOUNT? TO WHOM?

Fill us in on amounts, please. What is the SOL for the state you live?



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: September 1, 2019: EX 651 TU 684 EQ 677
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 2 of 23
Senior Contributor

Re: Help / Boost FICO score by 30 points in 60-90 days

You have no CC's listed. Are you new to credit? You may have a thin file and thats why that 400 score is there. And like SMD said list your debts and compaines. If you dont have a CC then get 1 to have a credit mix. Try Cap1 pre qual for the Plat. Stay far away from the QS1.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 3 of 23
Regular Contributor

Re: Help / Boost FICO score by 30 points in 60-90 days

Not to high jack, but why stay away from QS1? Just curious because I have that one.

Starting 5/2018

Current 3/2019
Message 4 of 23
Highlighted
Regular Contributor

Re: Help / Boost FICO score by 30 points in 60-90 days


@pursell1911 wrote:
Not to high jack, but why stay away from QS1? Just curious because I have that one.

I believe he hates the AF ?? Cap One is a good company for starters/rebuilders.. I suggest do the Cap One Platinum so no AF but no cashback.


Message 5 of 23
Established Contributor

Re: Help / Boost FICO score by 30 points in 60-90 days

Open Sky or Green Dot - NO HP and GTD an approval. WIth your scores I'd consider at least one of these. 

Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 6 of 23
Senior Contributor

Re: Help / Boost FICO score by 30 points in 60-90 days

The QS1 is much harder to upgrade and yes $39 a year. If you have a 3-500 dollar SL. It would take a lot of spend and pay each month to get your AF back. Whereas the Plat will upgrade very easy to QS and get the same 1.5% CB and no AF. See below. Been there done that




My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 7 of 23
Regular Contributor

Re: Help / Boost FICO score by 30 points in 60-90 days


@FireMedic1 wrote:
The QS1 is much harder to upgrade and yes $39 a year. If you have a 3-500 dollar SL. It would take a lot of spend and pay each month to get your AF back. Whereas the Plat will upgrade very easy to QS and get the same 1.5% CB and no AF. See below. Been there done that

Darn, I had a Platinum, and a QS1, and I combined my Plat with QS1.  Oh well.


Starting 5/2018

Current 3/2019
Message 8 of 23
Established Contributor

Re: Help / Boost FICO score by 30 points in 60-90 days

Not trying to hijack as well, but I received my QS1 in Oct '18, & so far I've earned back $16.31, so I I think I will earn back the AF+ if I continue at this pace, which has not been excessive spending.



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: September 1, 2019: EX 651 TU 684 EQ 677
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 9 of 23
New Member

Re: Help / Boost FICO score by 30 points in 60-90 days

Here are the collections amounts and creditors:

 

  • Collection (Green Mountain Energy) - Date last active September 2016 / Amount $716
  • Collection (Just Energy Texas) - Date last active September 2016 / Amount $107
  • Collection (Comcast) - Date last active July 2016 / Amount $136
  • Collection (The Cash Store) - Date last active March 2015 / Amount $1,139
  • Medical collection (AMCOL Systems Inc) - Date last active June 2014 / Amount $373
  • Medical collection (Commonwealth Financial) - Date last active August 2013 / Amount $139
  • Charged-off Revolving Furniture Account (WS Badcock) - Date last active April 2013 / Amount $900
Message 10 of 23
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