Newbie needs advice

Newbie needs adviceNewbie needs advice
AshleyHaumn asked 4 years ago

I’m new to the forums and just started using the myfico product about 3 weeks ago. I’m trying to rebuild my credit and achieve the highest score possible. I’m feeling commited and just need some advice on how to achive my goals. My main road block is a few late payments at the end of 2011 and begining on 2012. I have listed a summary of my current situation and would appreciate any and all input. 


I have three accounts that have late payments. Bank of America, Chase and Merrick Bank credit cards. All three accounts have been paid off in full and are now closed. All of my other cards are current and have never had any late payments. I just submitted goodwill letters to all three banks, but I am not feeling confident in having them removed.


Bank of America: 9 Missed Payments

Chase: 3 Missed Payments

Merrick Bank: 5 Missed Payments


Current Scores:


Experian 698

Transunion 704

Equifax 715





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