Higher Credit Score….

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    • #245157
      dealpal
      Keymaster

      Hi All
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      To give you some back ground…
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      My credit score with TU 666 … Goal 700+ by end of summer (August)
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      I filed Chapter 13 in 10/2003*
      I had a student loan that was also a negative on my report in 2006
      Since then I have not had any credit cards or any other loans till 2010
      I bought a car with a co-signer in 2010 Never been late on payments (23 installments so far)
      I just recently gained my first Credit Card with a $1,000 line of Credit. I have made my first payment on the 20th. Paid in full. I plan on paying it in full every month only using it for gas (3% cash back.)
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      Questions I have…
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      My student loan says “Pays as Agreed” Date Closed 03/2006 Is there anything I can do to get this negative off my report?
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      Under REVOLVING ACCOUNTS / Target Card says Lost or Stolen Card… Opened in 2000 closed in 2010 (Chapter 13 took care of my Credit Cards) Is this a negative on my report? It shows no payment history on 81 months.
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      My last question is this… Is it a pipe dream to get my Credit Score up from 666 to 700+ in 4-5 months?
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      I really would like to purchase my first home by the end of the summer. But I want my credit score in the 700 range for a better interest rate.
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      Thank you!!

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