With the help of these discussion boards I've been able to make some noticeable progress in recovering my FICO 8 model after a period of about 3 yrs of horrible credit reporting. But my 2, 4, and 5 scores hve proben to be a bit more elusive.
My FICO 8s: EQ 664, TU 654 and EXP 655
FICO 2, 4, 5: 575, 592, 613
Not great but since Feb I have been able to increase my 2,4 and 5 scorse by roughly 30 pts. My previous mortgage which I paid off in Feb had numerous lates with the most recent reporting in Dec 2023. I assume that plays an enormous part in the scores being held down, and know time is really all that can repair that. I also had several collecitons that have all recently been settled and deleted, a few COs with the original creditors (CapOne) one I settled about a month ago and one I just settled this past week (payof not reflecting yet, but the CO was showing a balance of 7,043 and util of 90%) so I know that will help greatly. Once the dust settles on this last settled account, what should I focus the most on outside of paying on time on my existing accounts, 9,700 avail ~30% util? Payoff ll cards and leave one open? Should I contact the old COs that are not showing balances, and frankly I have no idea if they were sold, to see if they will remove them? I am bit worried about waking up a sleeping dog with those.
TIA
