How can “up” my credit score?
Amanda Asked: How can “up” my credit score?
I have several negative items that are showing on my credit until about 2014-2016, all of these negative items showed paid however it is still hurting my credit, I do have a few good standing items on my credit which I know are helping a little- my small limit credit card,a small loan installment I just paid off and my student loans which are paid on time every month, however these older negative items are still putting a heavy weight on my low credit score and I don’t know how to bring it up. I don’t want to take out more credit and it wouldn’t be easy anyway with a 590 credit score but seems like the few good standing accounts I have aren’t even making any impact on my credit. I have no car payment and no real “debt” I just make sure what little bills I do have are paid on time every month and pay more than the min. to try and help with my score. I would like to be able to buy a house in the next few years!! help!!
Answers:
steelerchick86 Answered:
Persistently write letters to the paid debtor and to the credit bureau (transunion, etc) asking them to please remove the items. Explain to them that people make mistakes and learn from them and that your debt is indeed paid in full. ask them if there is anything they can do to help you clear these items so you can purchase a home to better your life and the economy….sounds stupid right? I got 13 negative things removed from mine jumping my score from 595 to 672….once i did that i opened a few credit cards-charged minimal and then paid in full every month now my score is almost 760!!! Even if you don’t hear back keep writing them letters-they will get sick of hearing from you and delete it just so you stop. It took me almost 2 years to get everyone to cooperate but they all did.
Frank is Back Answered:
Opt out of pre-approved c/c offers from the opt out website (use google).
I heard it can raise your score 25 pts by opting out. Give it a try. I did.