Late pays and credit score…

Oct 142010
 

I have a closed credit card with USAA that report it current each month.  almost 2 yrs ago I got ill and fell behind and thats why they closed it.  My question is will I see an increase in score once I hit the two year mark of being current?  Or since its closed it wont make a difference? it had a 8k limit and Im down to 4.5k.  Last late was Feb 2008 120 days.  I sent them GW to plz erase lates but they said NO which I figured but I tried.  Like I said its been current for 20months…thanks.

 

One more question..to request GW to remove lates must the debt be paid in full first?  Thanks

700+ Credit score with a past repo possible?

Sep 092010
 

my FICO is at a 680 right now, I have 10 positive tradlines and 3 negatives. I am paying down my credit cards to get a extra boost in my score but i am curious has anyone here past 700 with a repo? it seems very possible, in my case…  Thanks… Also will getting my score to 700+ help me with new loans?

 

Positive lines:

6 credit cards open credit cards: 

  •   Credit: 36% ($1,609)
  •   Debt: 64% ($2,951)

 

2 unsecured loans

1 closed credit card

1 closed unsecured loan

 

Negative lines:

1 Auto Repo “2008″ Falls off in 2013

2 collections $2000 total.

 

 

 

Related Blogs

I need a 680 by march of 2011

Sep 012010
 

i currently have a mortgage that will have 12 months perfect payment history next march. last derog. was a 90 in feb 2010. i have one open installment loan for a truck. one cc showing on all three reports(currently high utilization, waiting for this months update to the cra’s). ive also been added as an au on 2 cards but they havent showed up on all three reports yet, just experian, and just one of the cards. i also applied and was accepted for a bbrz mc that isnt showing up yet.

 

i have 3 closed auto loans all perfect history. 4 closed credit accounts all charged off back in 2007, paid in full. 4 small med collections that refuse to pfd, 2 are from 2007, 1 from 2008, 1 from 2009.

 

i have two inquiries on each credit report within the last year. equifax shows a total of 6 but 5 of the 6 are from my credit union for the auto loan that is active. i had to reapply several times because i changed my mind and didnt take the loans because i didnt find a vehicle i wanted.

 

i also have one public record. a judgement from one of the cc’s from 4/2008. also listed as paid.

 

my question is, do I have any chance of making it to a 680?

 

 

Credit One payment fees

Feb 082010
 

Hey everyone, at the end of this month, i’ll be making a payment on my closed credit one account. According to the new credit card act, they can’t charge me to make a payment online right???

 

I just want to confirm 

Another Question about Paid Credit Cards Closed (Thank you Fico boards)

Feb 042010
 

I never even notice this but i have 3 closed credit credits with my credit union. For some reason there showing up as a negative to my credit report.these are the details

 

Closed (Paid) Closed (Paid) Closed (Paid)- Balance: $0   $0 -Type: Credit line secured Credit line secured Credit line secured- Pay Status: Late 30 Days Late 30 Days Late 30 Days

 

 

Closed (Paid) Closed (Paid) Closed (Paid)- Balance: $0   $0 -Type: Credit line secured Credit line secured Credit line secured- Pay Status: Current Current Current

 

Closed Closed (Paid) Closed (Paid)- Balance: $0   $0 -Type: Unsecured loan Unsecured loan Unsecured loan- Pay Status: Current Current Current

 

 

These are three different accounts. Why are these showing negative.. I think i closed them but im not sure… How are these effecting my score and what can i do about them if they are to get rid of them..THANK YOU!