While looking under tab 2(Understanding Your FICO Score) the left side of the scale is loaded, while the right side has nothing. I have no positives at all that are helping my score from what it's telling me.
My negatives are:
1) Deliq + Collections. (Had 3. 1 was removed. Another was updated to paid, but they won't remove it. The last one is with the same company that updated to paid status, but this last one hasn't been paid yet).
2) Short account history. (Short credit history? I only have 1 CC. It's util was high like 85%, but I paid it down to 45% so hopefully I'll see a raise?)
3) Recent Missed Payment(Don't understand I haven't missed any. I think they are hitting me for 2 accounts that have been getting charged off for the past 2yrs. I recently paid one and have one more to go).
4) Bad Payment History. (I can't fix this, I have about 40 late notations over 3 years. Once again I'm guessing from the charged off accounts).
So this makes up my scores of 546, and 547. I've sent DV, PFD, GW for removal of late notations, chargeoff's and collections. Any advice?
