teesa03

I agree your best bet is bankruptcy. Good Luck :-)

I was playing with the simulator and the only thing I found to bring it up is a mortgage. I have a 624 and we just paid our truck off; which is why I got low credit to begin with for about 2 years I was late every month due to job loss. It almost got repoed but the last 3 1/2 years haven't been late even once. Now it's paid off and my matercard had a limit of $300 (never late on it) for about 7 years then they raised it to $5,300. I'm still not late on it but am trying to keep some sort of small balance and pay it off in a couple months then put some stuff and pay it over again. I put in the simulator that 2 years of no late payments and that lowered my score. It doesn't make sense to me either. An auto loan lowers your score too. I did find the mortgage raised the score but it was $150,000 mortgage I entered to get it to raise like 10 points 65,000 only raised it 1 point. Good Luck :-)

Yes it will even though some say it won't. It doesn't affect it as much as the actual signer but it does affect it.