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printguy

Looking for Help to Increase Score

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Hey Everyone, I am looking to increase my score. I had some late payments which didn't help. Back on track now. I went through a divorce and just kind of lost track of time. 

 

Currently (Credit Karma) my Transunion score is 537  with 2 loans showing current. Total debts of around $1,000 from 4 companies. Not sure if I should call or mail them and ask for a pay to delete? If they don't do it can I settle or is it best to pay in full? Equifax is basically the same. My credit payments are 88% which I know is a big factor but time will help that. 

 

I didn't properly use Fingerhut or Capital One and let them go to Collections...that was dumb me a few years ago. I am at the point I need to get my scores up in the next 12-18 months and need help. Thanks! 

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57 minutes ago, printguy said:

I am at the point I need to get my scores up in the next 12-18 months and need help. Thanks! 

There is no magic method to rapidly improve your credit scores.  If you manage your debt appropriately your scores will reflect it.  That means no late payments, good debt to income ratio, low utilization and good accounts reporting.  Just to name a few.

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Welcome.

 

Kredit Carma skores are worthless since they are only used to entertain people; they are not used by major companies to extend credit.

 

PFDs rarely work with OCs.

 

How many open, positive revolving major credit card accounts do you currently have?  

 

If you want to start working on your negatives you'll want to get hard copies of all of your reports mailed to you by each of the bureaus.  That will be the most complete representation you can get of your credit files.

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