Since I opened and account with Finger Hut and a secured visa with open sky my scores are increasing. Currently at equifax 582, transunion 578 and experian 618. All though there low much better then what they were.
@Rickdoc1 wrote: Since I opened and account with Finger Hut and a secured visa with open sky my scores are increasing. Currently at equifax 582, transunion 578 and experian 618. All though there low much better then what they were.
Congratulations on the new cards and the great improvement in scores. I'm sure you realize that enhancing your credit is a two-prong process. You build credit by establishing and keeping unblemished accounts and fixing bad accounts. Ideally bad accounts should be changed by removing the bad information or deleting the account completely. Can you share how you approached your baddies?
The work that has been since August has been first I started with Lexington Law and allowing them to send out some letters and they did a few things but not much. I have paid down a Closed Chase card from 2 to 800.00. Four Sate tax liens satisfied. My scores were averaging 540 between all three bureaus. About 30 days now with Finger Hut and just a couple days with the 300.00 secured card. Utilization is below 10% with these two accounts. Myfico scores are the highest compared to 5 months ago. As far as the other closed accounts have not started on my own with GW letters yet asking for consideration. I need to get a few samples to draft up my own and send them out. It was recommended I send them to the attention EO.
