Improving my scores

[Anonymous]

Currently I'm trying to find ways to improve my scores. I've paid off my discrepancies. I have 5 credit cards that I pay on time. I have had late payments on my car but it's been over a year (10,990 left) My student loans were pushed back because we're trying to get a home. My first goal is 700, then 750 but I feel like i'm at stand still. Anyone have any advice for me?

EQ 661
TU 676
EX 684

[Medic981]

The late payments on your CR are what is holding your scores back. Have you thought about writing the loan financer and asking for a goodwill adjustment to remove the late payments?

[Anonymous]

I didn't know that was possible. I plan on trading it in next August. Would that make a difference?

[Anonymous]

No.

Late payments are late payments and they'll haunt your credit report and scores for 7 years. 

You'd be best advised to hit up the rebuilding forum and read about goodwill letter writing.  I'd strongly suggest the Saturation Technique, which you can read about at the link below:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-o...

[jamie123]

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@Anonymous wrote:
I didn't know that was possible. I plan on trading it in next August. Would that make a difference?

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Late payments to any lender will stay on your reports for 7 years from the date of late payment. It doesn't matter if the loan or credit card was/is closed, it will still affect your scores.

You need to go to the rebuilding forum and learn how to write Good Will letters. You might need to write many GW letters to have a late removed but it is well worth it. Your reports need to be 100% clean without any derogatories for you to be able to get the highest scores that your profile is capable of getting.

[Anonymous]

Thanks everyone. I'm still learning 🤩🤩

[elim]

I started in the rebuilding Forum a few years ago with Junk scores and a few baddies on my reports. I'm at 808 now. Don't give up, just stay involved in these forums and do the work. Your scores will improve.

Rebuilding <--- start here

[Anonymous]

Wow elim. Your score is a goal. That's awesome

[Anonymous]

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@elimI started in the rebuilding Forum a few years ago with Junk scores and a few baddies on my reports. I'm at 808 now. Don't give up, just stay involved in these forums and do the work. Your scores will improve.

Rebuilding <--- start here

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Yup, lots of success stories there.  I made it from 619 to 850 inside of 2 years and would never have been able to do it without this forum.