I have been working on my score for the past year and made significant improvement. I have gone from about a 600 to a 671 (according to my last alert).
I have PIF all my collections (about 6) and past due accounts except one. At this point, I don't even want to touch the last account as it is due to age off in about a year and a half. It is for $2,500 and I have not gotten any information from the CA when I have requested it. They wouldn't PFD. I have talked with the original creditor and she is saying I didn't pay. I have receipts for some that she doesnt have. But I don't have all of them since it was so long ago. It's a dicey daycare and I'm not the first person with similar problems. Aside from reporting every month as being delinquent, I do not hear from the CA or creditor at all.
My most recent delinquency was a medical bill that was reported about 6 months ago from a doctor's appointment that I missed in 2006. I had moved and wasn't aware of the charge or I would have paid it.
I just got a new credit card 1 year ago. I just got a new car loan in May. Aside from my cell phone bill and my rent (neither of which report), I have no other current accounts or bills.
What should I do next? I have done GW letters. Only one company has responded. They took all the lates off of my car that I had repossesed in 2006 (but left the repossession notation and did a credit pull.). All the rest said they can not remove the accounts.
My score goes up about 10+ points every 3 months but is there anything I can do aside from continuing to GW to help it along? Should I open a second credit card or get a store card? Or should I just leave it alone and let it do what it is going to do?
Thanks.
