@Anonymous wrote:
My credit scores a few months ago were in the low 500's. Since then I paid off 2 first premiere cards, got a fingerhut card with a 600 limit, my F.P. cards were 300 each. I had like 15 hard inquiries, just got a merrick bank card with a 500 limit. Credit Karma up to 635, equifax 610, and Experian 665. I have alot of old negatives from over 6 yrs ago and a hospital bill for 1700. on my report still. I have since hired lexington law to deal with negatives. 2 months in and nothing removed yet. They told me I need more positive accounts so I did shopping cart trick n got 5 new accounts, but my scores took a little dip. Is this dip just short term and after good payments on my 9 accounts now it will rebound. Am I moving in the right direction?
1. Get rid of LL. Everything they do, you can do. They even pull your credit report from annualcreditreport.com which you are entitled to do once every year.
2. Those delinquent accounts are tanking your credit once you remove them, you will see a substancial increase in your credit score but dont settle for paid or paid as agreed. Your primary focus should be deletions. If fact when you agree to pay your debt tell them a deletion is part of the bargain.
3. You have too much of the same line of credit. You dont need 9 of the same accounts you need a mix. Cut some of those cards.
4. If those accts are over 7yrs you can contact the three bureaus individually and ask them to delete them from your report.
