@Anonymous wrote:My wife's score continues to sit around the 590-600 range, but all but 1 baddie has fell off her credit in the last year and a half, with no point gains. Figured she'd be around 630 or 640 maybe. Not a single point. She has 1 baddie left, a collections for $400 about 4 years old. Not even sure to waste time on it if it's not going to gain her anything. She has two small credit cards with no lates. Her last late was March on 1 of them. They are also paid with no balances. She's carried a 0 balance on both for a few months, like 4 months. Just trying to figure out what to do to get an extra 20 or 30 points for her. She has no car payments or open loans. Her scores aren't high enough for any loans.
Any tips?
Let a small balance report on one card, and zero balance on the other. that should pick up some points. But the main thing is to avoid those lates, and maybe try to get them off her report by sending verification letters to the bureaus. She could also take a small share secured loan and pay it down to 9%. That would pick up some points as well.
