Need 20 points to fico in 4-6 months

[LS2982]

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@Anonymous wrote:

How easy or hard is it to gain  20+ points to my FICO in 4-6 months? I am planning on paying down my CCs they have a high utility I am never late and plan to never be late. I did open a new store card and another cc in the last 6 months. I also had a collection that I paid off, a parking ticket my husband forgot to pay grrrr.... So let's say 4 months of aggressive paydown no lates collection aging and new credit lines aging, could I gain 20+?

Thanks so much.

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Paying down high util is probably the easiest way to gain alot of FICO points.

[Anonymous]

Ok I responded to the email I got for payment of the parking ticket and asked for a deletion, she got back to me and told me to call the original CA and gave me reference #. I called the other CA and the lady put in a request for deletion. Now i just have to wait 2-3 weeks and see if it works. Anyone have luck removing over the phone? Fingers crossed.

[Booner72]

Hi Shelby.  I've had more luck on the phone than any other method.

[namvet]

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@LS2982 wrote:

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@Anonymous wrote:

How easy or hard is it to gain  20+ points to my FICO in 4-6 months? I am planning on paying down my CCs they have a high utility I am never late and plan to never be late. I did open a new store card and another cc in the last 6 months. I also had a collection that I paid off, a parking ticket my husband forgot to pay grrrr.... So let's say 4 months of aggressive paydown no lates collection aging and new credit lines aging, could I gain 20+?

Thanks so much.

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Paying down high util is probably the easiest way to gain alot of FICO points.                          +1

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[Anonymous]

This thread is very helpful for me! I am starting the re-building process and didn't realize that util was so important. I only have a secured card currently (since my credit tanked badly) and for the first 12 months or so I paid the balance in full every month. The past couple of months (after I lost my job) I only paid the minimum balance and then would even use that up.

I am going to make sure that I pay the balance off and then use it only sparingly if I am not able to pay it off in full at the end of each month. Good to know that under 10% util can help raise the score tremendously.