So my fico score is 554 terrible but should go up. I disputed the balance of a medical collection and it will be removed probably 30-45 days plus once balances on my credit card update my util should improve 25%
I only two problems left 4 30 day & 1 60 day late.
Gap card 1 30 day only one ever on this card accincurred current and paid off can I just call and request or should I letter gw letter. Is gemb helpful if its a one time mistake?
nordstrom card they've closed I had it for 6 years 1000cl first 4 years never late then 10/11 9/12 2 30 days then 1/13 30 60. I had some issues in January-feb didn't get paid for a job until mid feb. I email cs on account to see if I could reopen they said it was closed 1/22 but to call at a different number? Right now only concerned with getting the most recent 30 60 removed. Any advice?
If any one has contacts at nordies or gap please pm!
Starting Score: 534Update talked to Nordstrom after 6 months of account being current I can be reinstated anyone have this done. 150 balance so ill pay that over next 3 months. And I'm hoping by 6 months to be close to 650 I have 9 revolving accounts and an auto lease so should help also 6 year with Nordstrom. I'm not messing with gw until then. Just going to work on gap gemb 30 day getting removed.