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Guest

If I was to get a secured card of 500.00 ,keep balance low and pay off every month ,how much do you think my score would go up in 4 months?
My scores now are 559,613,and 584.I'm trying to get them up to buy a home.I paid 3 collections and O.C is going to delete them and had a judgment vacated that wasn't mine, should reflect on credit report in dec. should my scores go up any then as well.

adonis · Posted: Sun Nov 08, 2009 8:35 pm Post subject:

Welcome Guest,

If you pay off the negative items and also open a secured credit card, then it would definitely have a positive effect on your credit report. Thus, your score would get improved. However, it would take some time to raise your score. The number of points by which it would go up would depend upon the other negative items that you have on the list.

Guest

I have 2 collections and a judgment all have been paid,I also have 8 good accounts that are paid in full and never late.

riseabove · Joined: 09 Nov 2009 Posts: 277 11.01 Dollars($)

Like most things, it's quicker to break something than to build it. you can ruin your credit in only a few months if you really work at it, but it can take years to build it back.

Good idea on the secured card though - great place to start.

Guest

I have truecredit and just updated transunion credit report and they removed the collections vacated judgment is still showing should be gone dec.1 and my score with them jumped 44 points I know that its not the same as what lenders will use but I'm buying fico scores in dec. just to how much they really went up .I see a home in my near future .

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