Fixing my credit in 60 days.....
Date: Tue, 10/21/2008 - 08:48
My score suffered going from low 600's to low 500's. I just started disputing things and have made some progress in the last month.
My score ( TU is the only one I care about right now inorder to qualify for a certain loan ) in the last month has gone from 512 - 569.....today. I have just submitted disputes on the rest of the negatives and think this time I should have atleast 5 of the remaining 8 removed. 1 eing a judgement and the rest being charge offs.
My question is what else should I do. I only need a score of 690 to qualify, so please send me in the right direction.
I don't have any open accounts which I know is hurting me, so where should I go from here?
Please help!
Will piggybacking help?
debt
Piggybacking? I don't know what that is. I've heard about, however. Sounds like you did pretty good raising your score.
do you have any current tradelines open? Credit Cards etc?
do you have any current tradelines open? Credit Cards etc?
debt
I don't have CC's, Tradelines,etc. I don't think I want a CC again. My last one was crazy.................fees went up and monthly payments went up. It was one of those for bad credit. Still making payments for that one.
No credit currently being used.....How many cards will provide a
No credit currently being used.....How many cards will provide an optimum score, and what balances % wise should they have...
Piggy backing is having someone with established credit add you
Piggy backing is having someone with established credit add you as an Authorized User to one or more of their accounts. The AU then gets the added score boost due to the positive history. FICO 08 was supposed to factor out AU accounts but recently ran across an article stating they had reversed that. It's not the number of cards you have, its the total mix of credit that you show on your reports. A good mix of mortgage, auto and revolving debt with good hsitory and a utility % less than 35%.
