@Sbrooks1 wrote:
Y'all , 28 months of trying to rebuild and my scores are only 5-10 points higher , 5 cc 1-2 yrs old all never late uti 70 but just paid all off to 0, 1 medical collection from 2010 for 84,one FPB reporting as open and late from 2009, one credit control for sudden link from 2009, disputed and updated to June 2016- due to fall off 12/16. Multiple acts positive include the 5 cc and auto since 2014 and student loans. What should I do
Are you saying your overall util was at 70% and now you have paid it down to zero?
Has you new Util posted on your latest reports?
How many total derogs are reporting? Any derog will hold your score down. High util will hold your score down.
You have plenty of cards. You have had loans. That is good. Keep your util % down. Have only one card reporting. Other than that it is just time.
One thing for sure, even if you continued down the path you were on without making any adjustments, you know you have negatives falling off soon, which will help. Also, paying down your utilization percentage should show once they report and the scores update.
@Sbrooks1 wrote:
Y'all , 28 months of trying to rebuild and my scores are only 5-10 points higher , 5 cc 1-2 yrs old all never late uti 70 but just paid all off to 0, 1 medical collection from 2010 for 84,one FPB reporting as open and late from 2009, one credit control for sudden link from 2009, disputed and updated to June 2016- due to fall off 12/16. Multiple acts positive include the 5 cc and auto since 2014 and student loans. What should I do
Why don't you give us some information so we can help you.
1. What are the limits and present balances on the credit cards?
2. What are the amounts of the loans and the balances?
