higher than 605. I only use low limit credit cards so theives can't get too far. Right now I am showing one 30 day late which is on an account I do not have, and the rest is perfect. I want to refi my house but can't with the low score. I am so frustrated with the credit reporting process. I pay off my cards every month but it doesn't catch up in time to report. What can I do except pay off all of them and not use them? Will it raise it that much?
Answer:
If you want to raise your fico follow some of the advice found at
http://creditwisdom.blogspot.com/2006/09.
Closing accounts or not using them will not help unless the balance is more than 50% of the credit limit.
Try Churchill mortgage. Highly recommended !!
I see multiple credit reports every day. I should be able to help you raise your scores into the upper 600's at least in about 6 weeks--withOUT deleting the late payment. See below
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