Credit Advice

Are all your card balances below 30% of the limits at all times?  Also it takes two to three months for all the payments you made to kick in for your score.   Read all you can ( questions and answers  ) under credit scores on this site.  Good Luck.

Your score may take a few months to update.  Don't get caught up in how high your score is.  The FICO is not a measure of wealth or lack thereof it is an I love debt score. 

Paying collections doesn't help your scores, it just changes the "status" on the account from unpaid to paid.  But the collection will remain on the report for 7 years of last activity (your payment).  You can have the account potentially removed, and your chances are much higher once the account is paid. Paying off and closing installment loans actually will hurt your scores.  This closes the tradeline and it is only open and active accounts that help your scores.   If you've paid off or down credit card balances, you need to "rapid rescore" those accounts.  This will have the new CC balance on your report in a week, instead of 1-3 months if you just let the CC company report the data.  The rapid rescore will help bring your scores up quickly. I just had a client last month see a 151 point increase by using rapid rescore, it's a VERY effective tool to getting your scores higher. Contact me through my profile for more info, or if you'd like to rapid rescore those accounts.