@konradek, unless you can send a bunch of good will letters to get most/all of the derogatory comments removed from your reports, like I wrote before, time is pretty much your only option.
@konradek wrote:@coldfusion @Horseshoez @sznthescore @SouthJamaica My fico dot com
experian 635
equifax 640
transunion 641
the score is because I have some charge off but settled and late payment no debt no bankruptcy no collection zero utilization on credit card
how do I boost the 25 points
the state of florida required minimum of fico 8 score 660 points I asked
Without knowing more about your credit profile I can't give you any suggestions on how to improve your scores.
I would need to know types of accounts, credit limits, balances, etc.
@konradek wrote:zero utilization on credit card
If you are truely at zero utilization on your revolving accounts, showing some utilization on one of the accounts, less than 10%, may give you a small bump in your FICO8 score.
Are the charge offs reporting a balance?
If they are, they are likely impacting your revolving utilization in a big way, as they may be reporting as revolving accounts with 100% utilization, in addition to the monthly derogetory mark in your payment history, so are a double whammy against your score, and will continue to supress your score by a lot for the entire time they are on your credit report.
Multiple collections hurt less than a single charge off reporting a balance with 100% utilization every month.
