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Hey all! I have REALLY learned a lot from reading all of your posts! I have become a MyFico Forum addict! Anyways....as most of you know (from my previous post) I have recently paid off all of my credit card debt (4300). My current outstanding loans are as follows:
Mortgage-143k
Equity Line-19K
Auto-21k
Student Loan-8k
I have two medical collections (1 on TU) that I am in the process of HIPPA lettering and 2 30 day late payments one is from 7 years ago and the other one I am trying to get taken off (GW letter).
I know I have to apply for another cc, but I need to wait for my FICO bump, my questions is, what do you think I can expect my score to increase to?
ALSO-- I have had a Target card and various Visa's that I have closed (I was stupid-it has been established). Should I try a re-open one of those??
I appreciate any response and look forward to hearing from you guys!
3/2/09-EQ:635 TU:636
Hey Byrd! Sorry!! My scoreis at the bottom of the post:
TU-636
EQ-636
EX-656 (just got Experian through my chase credit protection program)
I don't know how to figure out my Util. I have seen the formulas people use, and I don't understand them. This was my ONLY credit card debt. TU is reporting my equity line as revolving credit, but EQ or EX aren't. Does that help?