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why score is not going up?

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Anonymous
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why score is not going up?

ok friends after reading alot of posting from this forums i have decided to cancel my scorewatch because my score is at a stand still since november of 2007 yes i have a few late payment on 4 ccc all is 2years old now with no debt at all when i pull my credit last nite i found out
 
i have  4 accounts in good standing.
 
one collection wich is payed .
a car loan paid ,closed charge off account.
 
and my ccc was late 30. 60. and 90 days .
 
the reason i post this message is to show you that fico lies about pay your bill on time no matter what your score will go up actually i`m sick of the lies .
 
because a score off 624 643 649 cant get me nothing.
 
if you feel like answer this go ahead.
Message 1 of 4
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Anonymous
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Re: why score is not going up?

I have read several/most of your posts-
 
I look at your situation this way-
At two years clean- only the 90 day late is hurting very much-
 
Zero CC use is going to hurt your score- 15 to 20 points-
 
You can either cancel SW and live off the grid or dig in and build a few more positive TL's to off set your negative ones-
 
This takes hard work-
 
If you get the CA off and use the cards (and PIF) you would be close to 700.
 
Message 2 of 4
Anonymous
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Re: why score is not going up?

ok thanks alot Timothy for your help , so what i need to do is to used my credit card to make small purchases.
 
how do i set up the TL. to off set my negative into a positive
 
i`m willing to work hard and i dont know how to take the CA off witch was a doctor s office visite.
 
                                                thanks again for your help .
Message 3 of 4
Anonymous
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Re: why score is not going up?

I would start with the doctors office- asking them to pull the CA back in return for payment-
 
If this does not work try WHYCHAT -(google WHYCHAT HIPPA)
 
Let's start there-
Then work on bulding some more positive TL's.

jcastor24 wrote:
ok thanks alot Timothy for your help , so what i need to do is to used my credit card to make small purchases.
 
how do i set up the TL. to off set my negative into a positive
 
i`m willing to work hard and i dont know how to take the CA off witch was a doctor s office visite.
 
                                                thanks again for your help .



Message 4 of 4
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