@Eddie24CO wrote:
Hello Everyone,
I have read all the tips and done everything by the book and i still haven't seen a significant budge in my credit score. My starting scores at the end of 2009 were median 545 on all three credit bureaus. Since 2009 i have paid off a Charge Off for 3 credit cards that i defaulted on in 2008, and i also have some degros removed from disputing. I filed a chapter 7 in 2005, however this only reports on Experian and not TU or Equifax.
Since 2010 I have obtained 5 credit accounts all with low limits to rebuild, I also purchased and new car through Drivetime (bad credit loans) and have paid on time for the last 2 years.
I current hold a Secured Cap One Card $200 Limit (only charge $20 a mth) Unsecured Cap One, $500 Limit (utilize 30% of the card monthly) HSBC $300 limit (30%) BB RDZ Mastercard $100 limit, (charge $10 once every other month to keep active) and a Fingerhut account with a $200 limit. I have never missed a payment on any of these and usually PIF on all of them or at least 75% of the balance each month.
My credit score is median 610 on all three credit bureaus now... so within 2 years it has gone up but not as far as I'd like.
I am trying to get it to at least 650 within the next 6 months as I will be needing to apply for student loans for school tution come late 2012.
Any ideas on how I can obtain this goal, or good cards that is worth having or different techniques I can do?
HI there.
Your scores might not be as bad as you think. May I ask where you got your scores? If these were not pulled by a lender then it's almost certain that those are not FICO scores. I know of no company right now that will sell you all 3 FICO's.
No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO.
At one time you could also purchase your Transunion score at transunioncs.com but that site seems to have stopped doing that. Wal Mart now offers a TU score to those who have their store card and the Discover version.
Equifax will still sell you a FICO score but you have to look very hard to find it. You can get to it here: www.equifax.com/web-myfico-products/
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
