Rebuilding Credit

Anonymous · ‎01-20-2015

Hello,

I am new to the FICO community, been very observant my score has improved reading many different forums.

My current CK is 643. I would like to improve that score , yet how accurate is CK, should I be pulling my FICO scores across the board.

I currently hava a BofA rewards card limit of $500 and capital one quick silver $500. Althought I have about $1300 in collections that I am in process of paying off.

Any suggestions to help improve my score?

Thank you in Advance

Anonymous · ‎01-20-2015

The only accurate score is the one the lender pulls. And it ain't gonna be the one at CK.

Worry more about the actual content of your files than any particular score you are seeing somewhere (even here). Work on getting derogs cleared and build your positive tradelines and the scores will follow.

dursty87 · ‎01-20-2015

@Anonymous wrote:
The only accurate score is the one the lender pulls. And it ain't gonna be the one at CK.

Worry more about the actual content of your files than any particular score you are seeing somewhere (even here). Work on getting derogs cleared and build your positive tradelines and the scores will follow.

+1. Having a clean file should be your focus, as Norman said, and the scores will follow.