[Curtis]

I have been doing a lot to repair my credit and I don't know what to do next. My ultimate goal is to get my FICO score to 635 or above within 3 months, so that I can get a certain loan that requires that score. (I need this loan to pay for wedding that I have already planned for April.) I have a 626 right now. Everything I have done so far has brought my score up by 87 points over a 3 month period, but the last $400 I have paid off on my credit cards only brought my score up by 1 point. I don't know if paying off the last %50 of my credit cards will get me the 9 points I need.


Here's what I have done:

-2 Collections totaling $3,400 paid in full, but still on credit report
-5 Credit Cards with limits totaling $2,800 paid down from $2,800 to $1,200
-Before seeing this site I did online disputes for the collections debts and closed credit card accounts with late payments, which came back as accurate. I also disputed many other small things such as addresses, names etc.

Other Problems:
-2 credit cards that are closed have late payments from 1 and a half years ago
-2 credit cards that are still open have late payments from 1 and a half years ago
-18 inquiries from the last 2 years


After reading through most of the threads I can't find anything else to do other than pay off my credit cards. I also contemplated getting my credit card limit increased, because one of my credit monitoring services says that I don't have high enough credit limits. Will that help?

What else can I do to get my score up 9 more points in 3 months?

Thanks All!