100 points in 29 days!

Success!!! I came to this forum about a month ago because I was trying to purchase a home. I need down payment assistance, so the program I need requires a middle score of 640. I started this process with a middle score of 556 feeling very discouraged. After reading all of the amazing advice here, I started by paying down credit cards and moving my utilization from 96% down to under 5%. I paid all cards but one to zero and then left a $50 balance on a card with a $750 limit. I also knew it was going to take some work addressing old collections, particularly those that are currently reporting. I was struggling with 4 Portfolio accounts, discouraged that they would ever budge (and I don't think they will) when I randomly sent a GW letter to a collection I had settled 2 weeks before. It was an old cable bill that was never sent to me, so I didn't know it existed until they pulled my credit and I saw it there. I had paid it immediately. The nice gentleman there took pity on me and deleted it from my credit report this morning. My lender tells me my new middle score is now 656!!!  That's a 100 point boost in just about a month and very likely a new house for me. Thank you to all who shared your secrets here. It created a great blueprint for me to follow and I could not have done it without you!   

Congrats!! Inspiring! I'm in the same boat and in the process of getting FHA!! Can I ask how you got your utilization so good? I'm trying to figure that out. How do you calculate charge, interest, payment, timing to keep the $50 balance? Congrats!!!

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    Hello!
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    It looks like this was answered here.
    Use NI products on Linux? Come join the NI Linux Users Community

  • How can I measure above 100 point by Keithley 2400?

    Hello!
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    BufferedLowLevelWriteSpreadsheetFile.vi ‏34 KB

  • Is a 100 point increase in 4-6 months feasible?

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