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jcastor24 wrote:hello friends i have about 4 credit cards all is at zero balance yes i have a few late payment in the pass why score is still in the low 600 please help.
@Anonymous wrote:
hello friends i have about 4 credit cards all is at zero balance yes i have a few late payment in the pass why score is still in the low 600 please help.
30 day lates hurt. 90+ day lates hurt much more. Those lates will drop off after 7 years and completely stop hurting. You should contact these lenders and talk to the credit dept or write a letter to kindly request that they remove the lates or remove the whole accounts that show late. Lates will keep scores from going very high. For example. 2 almost identical CRs. 1 shows a score of 780 the other 660. It might be possible that the only difference between them is multiple lates.
@Anonymous wrote:hello friends fico always talking about if you pay 50% off your credit your score will go up i went in paid all four of my credit card in full yes i was late 30 60 90 and 150 day within all of them but why my score is still at the low 600 please help me because my wife and i next year we plan on bying a house .Message Edited by jcastor24 on 02-16-2008 12:09 PM
twingirls wrote:
Hi I'm new to this forum and to this Fico business. I had a credit score of 667 from Experian in mid Jan and as of today my score went down to 639. I called Experian and they said something had to change within the month. The only thing that changed was I paid off two of my credit cards which should have made my score go up. By the way I called Experian and they were absolutely no help!!!! Also, my Transunion and Equifax numbers all went up within the month. Any advise? Dana