Hey I have done some rebuilding to my credit, and didn't get quite the jump I was hoping for. Is there any way that after 30 days of these things being reported my score will increase more? Here is what I did:
Chase 2 accounts marked as "settled" deleted
Fidelity Collection account PFD (deleted)
Robbins Bros(OC from Fidelity collection) Changed to paid in full on time
Added as a joint account holder for Chase CC open 2009, 10,000 credit line No balance No lates
HSBC 2 accounts were basically maxed out $300 limit paid down to $0 ( I am going to charge $10 and let that report this month) No lates ever
First National CC Paid down to $15 300 limit No lates ever
Capitol One paid down to $25 500 limit no lates
I also have an open car loan and student loans
My DEROGS that are still there are:
Citi Financial $2500
Citi Bank $2000
Capio $1200
Midland $2700
These have not been paid, and are from 2009/2010, except the Midland just was purchased and added to my account in March 2012.
I do have late payments from 2007-2009 on a few accounts, and 2 accounts that were settled for less than owed after charge off. They won't delete.
The score estimator put me between 607-640, but my scores are under 600. Can I get my score above 600 with the accounts as listed above??
Advice??
