I am proud of my progress but what do I do now?

[asgor]

Starting in March I decieded to tackle my bad Credit. Experian 534, Equifax 529, and Transunion 541. I have paid 3 collection accounts off which two were PFD, Disputed two collection accounts and got those deleted and  I raised my UTI getting a credit increase on my capital one card to 3000, and opened a Conn's credit account. I am currentely sitting at an average 644 credit score.  I currently have 2 inquiries on my credit and I have 12 late student loan payments from 2years ago or older. All I have is 1 collection account which I am working on negotating for PFD from Credit systems international.  I paid off my car in January and it dropped my score 53 points. What should I do now? My ultimate end game is to get a house in the next year. My debt to income ration sits about 3%. What should be my next move for a credit increase?

[Anonymous]

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@asgor wrote:

Starting in March I decieded to tackle my bad Credit. Experian 534, Equifax 529, and Transunion 541. I have paid 3 collection accounts off which two were PFD, Disputed two collection accounts and got those deleted and  I raised my UTI getting a credit increase on my capital one card to 3000, and opened a Conn's credit account. I am currentely sitting at an average 644 credit score.  I currently have 2 inquiries on my credit and I have 12 late student loan payments from 2years ago or older. All I have is 1 collection account which I am working on negotating for PFD from Credit systems international.  I paid off my car in January and it dropped my score 53 points. What should I do now? My ultimate end game is to get a house in the next year. My debt to income ration sits about 3%. What should be my next move for a credit increase?

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Get a small secured personal loan to replace the auto loan, that will get some of those lost points back. Also you should have three revolving accounts.

[RonM21]

The small loan is a good idea, and what efforts, if any have you tried to make on the late student loan payments?

[asgor]

Do you have any suggestions to who to go to for a secured loan? 

[asgor]

I have sent GW letters to my student loan companies and  nothing has worked so far. 

[cmony787]

For loan you should look at Alliant. Lots of good posts on here about them.

Keep killing them with kindness on those goodwill letters. Make sure you are doing emails and messages through their secured email server as well. Plus any chance you get to do a survey with them, always add comments about your efforts to have a goodwill adjustment done on your account.

[gdale6]

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@asgor wrote:

Do you have any suggestions to who to go to for a secured loan? 

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St Department FCU is a good one

[surferchris]

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@gdale6 wrote:

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@asgor wrote:

Do you have any suggestions to who to go to for a secured loan? 

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St Department FCU is a good one

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Agreed.  Also try Lowe,s Walmart and Discover IT (for your tradelines).  Congrats on the progress.

[Anonymous]

Well everyone has suggested what I was gonna say

[asgor]

I got approved for Amazon Store card  (800) today whoo hoo!