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Showing results for tags 'trade line'.
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Working on fixing my credit. Currently my three Fako's range from 598 to 636. Want to refinance my current mortgage but need at minimum of 620 or better on all three bureau scores. I have about 8 deragatories at present including late pays and charge offs. I am reading through all the information on this site and I am starting to dispute, validate and possibly negotiate settlements based on the particular situation. At present I have only one open trade line an Orchard Bank MasterCard with a three hundred dollar limit. Would it help my score to add another positive trade line increasing my amount of available credit or would the hard inquiry that came with applying for a new account have greater negative effect on my credits score. -
I purchased a car at one of those buy here pay here places that I have been paying on satisfactorily for the past 2 years. I was doing this to improve my credit score. Now I am ready to start applying for other credit cards and I just found out that this company only reports ontime payment to Experian. I live in Atlanta and everyone here uses Equifax. Is there any way to add this tradeline to my Equifax credit report myself? I would like to have the 2 years of ontime payment reflected on my credit report.