Hi, I need to know what is the best thing to do!!! I have been trying to rebuild my credit since 01/2011 .... I have a total of 6 cards: CAPITAL ONE PLAT OPENED 01/2011 (rebuilder) $200/500 ; CAPITAL ONE CASH (opened 03/2012): $0/500; WALMART STORE (opened 05/2012) : $0/500; CHEVRON GAS CARD (opened 05/2012): $0/500; KAY JEWELERS (opened yesterday) $0/1500; and here is the question..... I have a CAPITAL ONE PLAT as an authorized user opened in 2006 but it's $1500/1500..., I have been wondering if I should take myself out as an AU cause it is killing my util..... On the other hand, I have 5 baddies that should be falling off this year and 3 CO from 2008... My AAOA is 3 years ... I'm confused on whether the AU is helping my score coz of the TL or is it hurting it coz of the util...
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
I dont think itll be paid off anytime soon ..maybe within the next 6-12 months.... Im afraid that if i take myself off, my score would get lower than it is ...right now my scores fr TU :633 (walmart TU) EQ: 622 ( lender Pull) EXP: 607 (lender pulled from 4/26/12)...i really wanna boost my score and i feel like it is taking so long..
I disputed the account to be removed on my credit reports....would i see a gain or los in my fico scores?
I paid a settlement on one of the collections I have from 2006 from asset accept..... Was my bank of America cc... I emailed a GW to the CA last week and no response .... I also have a med collection from 2006 and it just reported recently on 2010 as a Collection account and emailed them a PFD but no response either.... I have 5 collections unpaid that should fall off this year and 2 other collections from 2008.... So many negative accounts when I was younger ... Now am trying to fix my mistakes and it seems so long.... I want to purchase a condo next year and want to make sure my score will be good enough then.
I also opened a dispute from a Macy's account I had from 2005 and it seemed like the account suddenly showed as an open account with a bal of $257 and that balance counts in my total revolving accounts...... Before I disputed the account, it was closed and it didn't count towards my util... Now it does and it shows as an open account...did I mess up disputing it? I disputed it as DV