My Report – Scores Wont Climb

My Report – Scores Wont ClimbMy Report – Scores Wont Climb
ivusanaxo asked 4 years ago

Hi All, I’ve been lurking these forums for awhile and officially need some advice on the quickest way to grow my score without spending a bunch of cash right now.. is there anything that can be done with the below report without throwing cash at the debts?

 

What’s hurting me the most Below? Please don’t bash me… this profile is so much better than it was 1-2 years ago.. and I’ve paid off a lot of debt from a failed family business that left me with tax leins and a couple of property judgments (see below).

 

My FICO scores range from 580-630

 

I have about 6-7 Zero balanced charged off that I paid and settled. No lates in last year, no collection balances.

 

Current Utilization Reporting is 28-30%  (Approx $ 17k of $ 62,500 Available)

 

Credit Card $ 2100 of $ 5000

Credit Card $ 50 of $ 2250

Credit Card $ 484 of $ 500

Credit Card $ 576 of $ 600

Credit Card $ 150 of $ 500

Credit Card $ 160 of $ 500

Credit Card $ 8016 of $ 35000 Authorized User

Store Credit Card $ 450 of $ 1000

Store Card $ 473 of $ 3500

Store Card $ 165 of $ 3500

Store Card $ 2666 of $ 3500

Store Card $ 51 of $ 250

Store Card $ 295 of $ 700

Store Card $ 24 of $ 1050

Store Card $ 805 of $ 1150

Store Card $ 615 of $ 750

Store Card $ 0 of $ 1050

Store Card $ 0 of $ 400

Store Card $ 0 of $ 1200

 

Installments $ 2999 of $ 3600 (4 months old)

Auto Loan $ 25618 of $ 26500 (6 months old)

Auto Loan $ 18205 of $ 25000 (12 months old)

 

Foreclosure 1st Mortage 2012 – $ 0 Balance (House sold for what was owed)

Charged off Second Mortgage 2012 – $ 35k

 

Public Record – $ 20000 Unpaid Judgment (2012)

Public Record – $ 22000 Unpaid Judgment (2011)

Tax Lien – $ 35000 Business (2009)

Tax Lien – $ 30000 Business (2010)

Tax Lien – $ 7500 Business (2013)

 

 

Register New Account
Reset Password