credit score ?s

As soon as your charge-off drop off your reports you should see a pretty significant increase in your score. As long as you keep doing what you're doing then you should be in good shape eventually. You just have to be patient and wait until some of these negative accounts are no longer showing on your credit reports.

You might also see about opening a small secured credit card and start making payments with it. You'll want to have some more accounts showing in good standing without any history of late payments. Right now all you have is the car loan which is good, but not enough.

when you say secured what exactly do mean? I don't know what that is..young newbies! lol Where can I get one?

I have 14 good satisfactory accounts on my cf that most are closed paid as agreed w/out any lates..does that make a difference? Right now 14 good..8 bads...6 of my baddies will be gone by next spring..yipppee..but my score still sucks! lol

I would try disputing you credit report. It could help it come off a little sooner. It's not guaranteed but at least it's worth a shot. It can't hurt.

I don't think there are any quick fixes. It just takes time to build up a good payment record. If there is inaccurate information your credit report, I would definitely dispute it ASAP. That might help your score, too.

is there any amount of cc or open credit i should have? Is the 3 I have enough? My debt to income ratio is really good..meaning I owe very little in monthly unsecured/secured payments..and have been that way for 6 years or so..but my score show little or no change..i'm becoming frustrated without the debt!!!!

can anyone tell me from what time does the 7 years start from in terms of negs dropping from credit report?