makia1212 Posted April 16, 2007 Report Share Posted April 16, 2007 removed Link to comment Share on other sites More sharing options...
kevin3344 Posted April 16, 2007 Report Share Posted April 16, 2007 It will take a lot of work to get your score up over 100 pts in a year, but it's possible. First things first: don't be late on anything. A 30 day late at this point is worse than an old charge off. You need age without ANY "glitches", where a lender can/should see 2-3 years of consistent on-time payments. You can usually write a goodwill letter for the student loan lates.As for the baddies, start writing DV letters and hope that some of the baddies fall off, especially if they are outside SOL. Again, it's hard work but worth it. Link to comment Share on other sites More sharing options...
MountainDude Posted April 17, 2007 Report Share Posted April 17, 2007 If it were me, that car payment would have to go. That's basically like buying a $9000 vehicle with a credit card. If you can sell that vehicle and pay off that high interest loan, and find something reliable and cheap thats not as shiny and comfortable, you would probably sleep better at night.Paying 22% on a vehicle loan would make me go crazy (however, every vehicle I have ever owned has been at least 12 years old). j Link to comment Share on other sites More sharing options...
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