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My Fico says 619… I need a push of like 60 points to get a semi decent auto loan…

Aug 062010
 

Okay,, here is what I’m still working with.  I have a Kohl’s card($100/$500) and a CU credit card($1650/$2500)

 

The Baddies…

 

Capital One paid off- and assortment of 30, 60 and 120 late payments from may 06-august 07(Goodwill letter to delete account)

Kohls – 1 30 and 1 60 day late from april 2008(goodwill email/letter to delete payments)

AWA Collection agency for AAA So Cal – $133(pay for delete letter written)

Verizon Wireless Charge Off – Aug ’05 $233(pay for delete denied 5 times and counting…)

American Express Charge off – May ’06 $2450(Was offered a deal to pay in full and get a Optima with a $600 limit…  twice denied pay for delete)

 

4 car loans with no delinquencies…

 

So, what would be your opinion on what to do first?  I have about 2500 I can use for the next 2 months to pay some of this down.

 

I appreciate it!

 

Lamecred 

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  •  August 6, 2010
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