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Who Dey!
Franchise Andre Smith
Let Michael Johnson walk
Draft a Safety 1st Round
Draft a RB 2nd round
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On topic....Utilization is probably where you'd see your biggest impact. The lower your CC utilization the better. Take a look at this thread for full details on how FICO scoring looks and how credit karma compares to "real" FICO scoring:
http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Scoring-101-START-HERE/m-p/8169
As far as collections and such, you can "Pay for Delete" PFD which is esentially paying the collector in full to delete it off your credit report....usually requested in writing...that helps a handful of points at a time. Slow process, but it works!
@Anonymous wrote:
Who dey!!!
Keep Andre and MJ both please
I know credit karma is a load, I'm just using it as a guideline so to say. One question with the "PFD", what if my balances were paid in full? I'm fairly certain I paid them in full is there a way to find that out?
I've just brought my credit card down to a $10 balance after it was near my limit (300), and I plan on keeping it under the 35% I keep hearing about. Sorry if I sound like a total "noobie" but I am
If your collection balances are already 0 and your utilization is already less than 10% but greater than 2-3%....then the next step people do is sending "goodwill letters".
You basically send letters to The Man asking him to remove the collection from your report as a sign of "good will". They got their money....so you just ask and ask and ask. Sometimes it works....but 90% of the time it doesn't work.
Depending on the Bank/Collection Agency/Vendor/Whatever you can search through these forums and find some tricks for some of the ones that appear on your credit report.