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How long should it take to raise my score 85 points?
My current score's 675 (according to my FICO, it's only 645) and I need to get it to 750 so that I can get the best interest rate for a mortgage. I've already looked over my reports and corrected all the inconsistencies. I've paid off 2 collection accounts (both medical) and a judgement from 2012 (which never should've been there). I successfully increased the limit on 3 of my credit cards and opened 2 additional accts. I only use 10% of the available credit for each and pay them in full each month. I have 2 car loans, one student loan and a mortgage (all in good standing). Summing it all up, the only negative items on my report are 2 previous collection accts and the stupid judgement. Unfortunately, the judgement will be on my credit for another 6 years and the collection accts for another 5. Do I have to wait another 5 to 7 years for these to fall off before my score will improve anymore, or are there other things I can do to help it along (that I'm not already currently doing)? I'd like to move as soon as next year, but fear my 85 points are realistically unobtainable by then.

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