Help

[Anonymous]

I have horrible credit. My scores are transunion 602, experian 599, equifax 625.

macys limit 100 balance 0

target limit 200 balance 140

carecredit limit 1500 balance 0

daniels balance 38 (paying today)

capital one limit 600 balance 251

capital one limit 500 balance 222

bank of america limit 1000 balance 860

student loan 9500 they have no interest while im in school

one collection but have paid

just found out that my car is not being reported since it was in house financing.

Wondering what should i do to help my score... any information will help thanks

[Anonymous]

Really, that's not horrible. There are so many with worse.

All you have to do is keep all your payments on time, pay more than the minumum due until you have paid down all your cards, and leave one with under 9% of its credit limit showing.

Try sending a good will letter for the collection and ask them to remove it. If you have any late payments, you can do that with them as well.

Get into the habit of using yhour cards and paying them in full every month, prior to the due date. That way you pay no interest, the card companies know you use your cards and you have excellent credit.