cancel
Showing results for 
Search instead for 
Did you mean: 

Please help

tag
xflaw
Established Member

Re: Please help

so what move would be the best course pay my 2 collections first and then charge offs? also is there a way to remove capital one late payments and first premier ? once those are off im home free ? I could pay all 5 accounts off in about 2-3 months. 


Starting Score: 600
Current Score: 617
Goal Score:660


Take the myFICO Fitness Challenge
Message 11 of 16
FireMedic1
Community Leader
Mega Contributor

Re: Please help

CO's count against your util %'s. CO is like a maxed out account. Make deals to get the CO's settled or PIF and they have to place a $0 balance on the accounts. Thats will help the most. Check the site in the search above for "Cap One GW Success". Many examples. But Cap1 and FP really dont remove lates. Going to take some time. Cant just wipe the slate clean. Even if all are paid/settled. The CO's will sting until all of them are toast.


Message 12 of 16
xflaw
Established Member

Re: Please help

So with that being said let's say in these 2 months I pfd the midlands and pay off the co what's the next goal ? I forgot to include a few days ago I got a kikoff credit builder account and a credit strong I think it was they report like 2500 limit. 

Starting Score: 600
Current Score: 617
Goal Score:660


Take the myFICO Fitness Challenge
Message 13 of 16
FireMedic1
Community Leader
Mega Contributor

Re: Please help

If all baddies are settled/PIF. You'll see a small gain. But getting those 2 more accounts added to your file wont help much. May take away what could have been gained as a whole. More credit doesnt cover up past baddies. Put all your time in getting out of debt for now. Your wanting a quick fix. I can tell. I'm sorry it doesnt work that way. No more apps or new accounts from here on out. Get the past in the past. Time will do the rest. No way around it. Nor sugar coat. Good Luck!!!!!!!!!!!!!!!!


Message 14 of 16
xflaw
Established Member

Re: Please help

thanks im still learning im only 24 and never had any credit lessons just what ive read from my own searchs


@FireMedic1 wrote:

If all baddies are settled/PIF. You'll see a small gain. But getting those 2 more accounts added to your file wont help much. May take away what could have been gained as a whole. More credit doesnt cover up past baddies. Put all your time in getting out of debt for now. Your wanting a quick fix. I can tell. I'm sorry it doesnt work that way. No more apps or new accounts from here on out. Get the past in the past. Time will do the rest. No way around it. Nor sugar coat. Good Luck!!!!!!!!!!!!!!!!


 

Starting Score: 600
Current Score: 617
Goal Score:660


Take the myFICO Fitness Challenge
Message 15 of 16
FireMedic1
Community Leader
Mega Contributor

Re: Please help

We'll help you all the way thru it. Thats why were here. We had our speed bumps. I didnt even have a credit card out of BK. My lawyer talked me into it. So 6 yrs later I stuck around to help others since. We dont judge here. Please take it now as a learning experience. Step by step we'll get you there. We've been there done that. Keep us updated on whats up. Many here to help. Theres no dumb question. Agree?


Message 16 of 16
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.