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Anonymous
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New Member

Hello! 

 

I would love some advice on how to raise my scores...I'm not sure if I'm actually doing it right but here are the scores..TU: 660, EQ:518, EX:619. I have one credit card the limit is $200 and the current balance is $0, I have a car loan of $15,000 and $200,000+ student loans in deferment of course. I have one collections and a charge off  that I am currently working on now (wrote a pdf for both) and two late payments on car from last year -I wrote gw letters to have this removed. 

 

Any advice on what to do from here....

 

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: New Member

I would honestly get another credit card , secured if you have to.,.. also believe it or not having a 0 blance is pulling your score down. you should carry $10 balance.

Message 2 of 4
Anonymous
Not applicable

Re: New Member

Great!  Thanks for the advice.

Message 3 of 4
RobertEG
Legendary Contributor

Re: New Member

Since you have a charge-off that is unpaid, the usual next step is for the creditor to recoup a bit more of the delinquent debt by sale to a debt collector, thus resulting in the addition of a collection.

That account would most likely be my priority, not to improve currernt score, but to prevent additional damage.

You might wish to consider payment if they balk at a PFD,

 

Message 4 of 4
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