Anybody need help building or fixing their credit?

Flu Game502

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I did the 6 month $500 plan. Before that I did a year plan with smaller payments. At first ,I started at around 620ish and ended at 680ish. This new one only got me to 705, which is weird. Doesnt seem like a lot but I was able to get my house!

Edit: I think it only went up a little bit this time because my mortgage increased my debt
Congrats
 

RadaMillz

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Sh!t didn’t work for me, the opposite actually. I lost 13 points and I’m done in December. Not one point. I use lender and 200 line secure credit card. Nothing I do seem to increase my points. I am at 623
 

Flu Game502

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Sh!t didn’t work for me, the opposite actually. I lost 13 points and I’m done in December. Not one point. I use lender and 200 line secure credit card. Nothing I do seem to increase my points. I am at 623
Do you have any credit cards?
Do you have any derogatory/negative its on your credit report?
 

Flu Game502

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I don’t have any credit card besides the secured OpenSky one and yes I do have negative items on my report.
Dispute all of the negative items on your credit report to have them removed.
If disputing doesn't work then contact the collection agency to work out a pay for deletion settlement. They buy those debts for pennies on the dollar. Anything they can get you to pay is a profit for them.

Or you can wait 7 years for the collection to fall off your credit report:yeshrug:
 

lamont614

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