Do you think my credit score could have went up ?
965566
I would assume it has went up .. but i understand your colluction can stay for 7 yrs which sux because those that have filled back. dont.\ntry www.freecreditreport.com
463367
First off go online and get your credit report and start disputing the stuff on the report if the companies you owe dont reply with in 30 day saying you owe it will be removed from your credit report. This will help raise your score. Ive done this with my report rose it by 100 points.
99503
When you have better credit.
246507
I'd check your credit report.\n\nhttp://annualcreditreport.com is free, no catches, nothing to join.
511361
Pray for a miracle.  There's no way to raise your credit score that much in that short a period of time.
350470
Well all of you information will be on your credit report for 7 years.  Charged off accounts impact your account negatively, only when they are paid in full will they bring your score back up.  If it is not listed on your credit report DO NOT worry about it, if you are only worried about your credit score.  Looking at your scenario, it looks like your credit is in the high 500's, low 600's.  I would suggest keep making payments on time, do not close out any accounts that are currently paid to date, and if you have any more questions contact me... :)\n\ngood luck.
80694
It's really going to depend on the account. Honestly it could actually cause your score to decrease. Ageing plays a role in credit scoring even though it is a negative. However, getting rid of a negative is worth the small risk of losing age in the long run. Fico is so fickle no one can really tell how much it's removal will increase your score. Start with disputing the incorrect information. If they come back verified, send a DV (debt validation letter). You want to send it CMRRR (certified mail return receipt requested)Good Luck!
692118
The higher the limits gives you a better FICO score, the available credit can lower your score (i.e. maxed out cards). If you pay off your cards and keep the accounts open you will have a positive affect on your credit score.  Six months of on time payments can boost your score by 15 points, that's how I raised mine.  I have one revolving account(credit card) and one installment account(car payment) and I've raised my score in the last 3 months by 22 points.
495638
It will help build a payment history.  Always be on time with your payments.  It's easier to destroy credit than fix it!!!  Then, start saving up and using cash!!!!  Credit cards are EVIL!!
314930
Most at this post are correct as your score will not go up automatically because of your car loan.A few inquiries will not affect your score as well. Too many inquiries will lower your fico score(beacon) as well. A sure fire way to manipulate your fico score would be to make a somewhat large payment at the beginning of this loan. The reason is that more weight is based upon your balance compared to your credit limit on this car loan. So if you borrowed 20k and you owe 20k then your at 100%   not good but if you paid 2k on this loan, now your at 90%  better   80% great
323991
Yes, if they are still effecting your credit rating. The better your credit rating - the more they will want to loan you. I get automatically accepted for loans and credit cards. I've never had debts - always pay of my credit card, bought my car for cash. My credit card company offered me a loan at 5.9% last month. I could probably borrow that and invest it in the markets and make money! Give the impression you're loaded and they'll offer you more - if you're broke - you don't stand a chance of a loan for the price of a sandwich. With on line banking now - you can move money around your accounts and give them a great turnover and put virtually everything on a credit card. I was offered a new credit card that doesn't incur any interest for up to 12 weeks after the purchase. Stupid interest rate of 19% - but 12 weeks interest free credit can be handy.
974266
My husband and I learned a great deal from just studying our own credit on experian.com.  You pay $10 a month and you can view your credit and history anytime.  We disputed many old or false credit histories and now our credit is much better.  About 100 points higher.  It also has a credit score simulator where it points out the things you personally could do to make your score this number or that number.  I would recommend doing that first.
909911
It might be helpful for you to get educated on how the credit score is calculated. Then you can see the whole picture. See Below:
1082533
Getting additional credit and making the payments does not necessarily improve your credit score.  Generally, you will want to pay off credit and reduce the amount you borrow to improve your credit score.  Also, it depends on how you make your payments between now and March 2007.  If you make your payments, and do not take on any additional credit, your score could improve.....I would need additional information on your existing credit situation to be sure though.
992979
As you make purchases, and make your monthly payments\nON TIME, you will automatically qualify for limit increases. If a year has passed, and your account has been kept in good standing, you can also request a limit increase. Keep in mind, if your goal is to stay out of debt, increasing your credit limits does not sound like a good idea. The fastest way to improve your credit score is with an installment loan, like an auto loan or mortgage. You get a lot more points for paying this type of loan on time than you do revolving, or credit card accounts. Any other questions in this area, feel free to contact me.
1125032
A tough lesson from the School of Hard Knocks.\nHopefully, others will learn from your mistake.\nAlso know that the sooner you begin to make good payments on your credit lines and the longer you continue those good payments, the better your score gets.\nYou should get a copy of your credit bureau report and go through it with a fine tooth comb just to make sure there are no errors that may be costing your points on your score.\nIf you can improve your score even 10% that's good.\nAlso, if you had any bankruptcys 6 years ago, you just need to hold on one more year.  In most cases, they come off after 7 years.
1146357
No. You can read about what drives your score here: http://www.myfico.com/