getting there

[rayne428]

I’m getting there, my scores went from like WAY low 400’s (I know I know just terrible) to about 580 YAY ME! I feel like the little credit repair engine that could, LOL! Ty very much guys for helping me, now only if Lexington could get those lates deleted and I get a “pay for deletion” from the 2 collection agencies that I have accounts with I think ill be on my way back to where I was b4 this whole nightmare started, yes I do realize now that there is no quick fix and it is a BIG waiting game, good thing to learn these things young, TY GUYS! Oh and ill still be posting threads like im crazy.

[jjgross]

Originally Posted by rayne428

I’m getting there, my scores went from like WAY low 400’s (I know I know just terrible) to about 580 YAY ME! I feel like the little credit repair engine that could, LOL! Ty very much guys for helping me, now only if Lexington could get those lates deleted and I get a “pay for deletion” from the 2 collection agencies that I have accounts with I think ill be on my way back to where I was b4 this whole nightmare started, yes I do realize now that there is no quick fix and it is a BIG waiting game, good thing to learn these things young, TY GUYS! Oh and ill still be posting threads like im crazy.

Good job. See, I told you to have patience and this would pass. Yes, you still have a ways to go. Keep posting.

[scorch]

Good job. From here it should get better.

[chane]

Wow! From 400's to 580 is quite a jump. That's great to see. You'll be loving it when you get out of sub-prime and into 700+!

Once all the negatives are removed from your credit report (or at least most of them), work on your debt-to-credit-limit ratio. It's actually as important if not more important than getting the negatives removed.

Try to keep your balances under 30% of your credit limits. The lower the better. For example, if you have $10,000 in available credit, keep your balance lower than $3,000. (I prefer to keep mine at less than 5%.)

One way to lower them is by paying off debt of course. But, another way to lower your ratio is by raising your credit limits. For example, if you have $5,000 in debt of an available $10,000 limit, you are at 50%. If you get the bank to raise your limit to $20,000, you are now at 25% - which is much more favorable.