Hi myFICO,
In late 2018, I wrote about my poor credit standing (TU, EQ, EXP all in 540 - 570 range).
As of today my FICO scores are as follows
Experian - 623
TransUnion - 651 (CK/VantageScore - 664)
Equifax - 647 (CK/VantageScore - 663)
The rough components that go into this are as follows
CREDIT CARDS: 4 ACTIVE
(Good Standing) BOA - $0/$700
(Good Standing) CAP1 - $3419/$3500
(Currently Adverse) AMEX - $3/$1000 - (1) 30+ Day Late Payment from 07/2017, just got a GW approved so will come off next update
(Currently Adverse) BRCLAYS - $0/$1500 - (1) 30+ Day Late Payment from 06/2019
STUDENT LOANS: 2 ACTIVE
(Good Standing) U.S. Dept - $34600
(Currently Adverse) Sallie Mae - $1900 (1) 60+ Day Late Payment (1) 90+ Day Late Payment reported between 11/2017 - 12/2017
OTHER
PAYMENT HISTORY - 98%
TOTAL ACCOUNTS - 9 (2 Closed)
DEROG - 0
AVG AGE OF CREDIT - 4 yrs 3 Mos
HARD INQ - 0
My question is, how can I continue to situate/fix my credit in order to obtain a score over 700+? At the moment, my plan of action is as follows.
- PIF Capital One amount in one lump sum payment
- Continue to obtain a GW adjustment for Sallie Mae, Barclays (I have tried a couple of times respectively to no avail.)
- Open no new credit/loans
- Continue to keep balances low and on-time payments
Please let me know if there's anything that I should reconsider or add to this list. I'm open to all suggestions!
Thank you all so much for your help in advance.
Best,
A
