How much time?

I'm trying to get my mid score to 640 to qualify for downpayment assistance for a mortgage. Currently, mid score is 624. :-( Utilization is optimized (6 cards at $0, 1 card at $50 = <10%) and I've dealt with every neg that I can do anything about. This is where I landed. So now all I have left is time. Use cards a little, pay cards on time, rinse and repeat. Any of you smarter-than-me people have an estimate on how many months it might take to get those last 16 points?

kgwinn wrote:
Everything that was currently reporting has been settled in the last 2 weeks with the exception of 4 Portfolio accounts. The original debt was from 2012, but they purchased the debt last fall, so they're all showing opened 08/14. Reporting monthly, the jerks. Since they refuse to delete anything, I've basically ignored them and focused on other, less expensive things. I did, however, request DV on all 4 of them this morning, on the off chance that someone screwed up the paperwork and I get lucky. There's a medical collection from 2008 that should come off in about 4 months and everything else has open dates and last activity dates of 2012 and are listed as charge offs with $0 balance. So if nothing's aging into a fun category anytime soon and all I'm doing is charging little bits on CCs and paying them off/down, what's the point return on that kind of activity? Portfolio are nasty that way. If you can get them to settle, it will stop the updating, and the items will start to age and lessen its score impact over time. The general assumption here in the forums is that such updating makes items look "fresh" to FICO, however I disagree with that assumption. Its my belief that constant updating is seen by FICO as increased collection effort. Remember FICO is all about calculating risk, and all other things being equal, increased collection effort would equal increased risk.

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>
how much time you epxerts spend in a day for this forum alone ... just out of curiosity...
>
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How much time?

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