Well here it goes, Last year (Sept07-Dec07) I went through a rough patch and didnt have a job and I was forced to let some things slide as far as payments are concerned 
SOOOO, today I decided to check my credit report and see how much damage was done.... TU - 578 EQ - 558 EX - 552 I have 5 revolving accounts as follows Chase CC - Credit Limit $1000 with a 600 Balance Citi Card CC - $4000 Credit Limit with a 3300 Balance Capital 1 CC - $500 Limit with a 400 Balance Dell Computer - $2000 Limit 1700 Balance Zales CC - $500 Limit with a Zero Balance During the rough patch 2 went 90 days past due and the other went 60 days past due. My avg. account age is 2 years. The Chase account was closed by chase during the ruff patch. On the citi card account i called and had them close the account and set me up on a payment plan because it was over the limit and the payments were killing me. Since the rough patch ive paid everything on time and gotten the accounts to balances above. I dont have any public records or collections. My goal is to get my credit scores to 650+ What should I do? Goodwill letters? At what point should I start sending them? Any other advice? Thanks in Advance!!
SOOOO, today I decided to check my credit report and see how much damage was done.... TU - 578 EQ - 558 EX - 552 I have 5 revolving accounts as follows Chase CC - Credit Limit $1000 with a 600 Balance Citi Card CC - $4000 Credit Limit with a 3300 Balance Capital 1 CC - $500 Limit with a 400 Balance Dell Computer - $2000 Limit 1700 Balance Zales CC - $500 Limit with a Zero Balance During the rough patch 2 went 90 days past due and the other went 60 days past due. My avg. account age is 2 years. The Chase account was closed by chase during the ruff patch. On the citi card account i called and had them close the account and set me up on a payment plan because it was over the limit and the payments were killing me. Since the rough patch ive paid everything on time and gotten the accounts to balances above. I dont have any public records or collections. My goal is to get my credit scores to 650+ What should I do? Goodwill letters? At what point should I start sending them? Any other advice? Thanks in Advance!!
Yea, They are FICO's as I got my score from this site. As far as paying them off goes im on a mission to have them paid in full by Jan-Feb09. How much will my credit score jump up once I get them paid off? This is a super huge issue for me and Ill do whatever to get all this in check... Im really embarrassed about the whole thing
