Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
jjc178

1 Contribution
0 People Helped
Trying to Raise score 50-100 points
Hi! I am trying to raise my score but need some advice. I have successfully gotten 5 collection accounts removed (thanks to this community and letters sent over the last year) and I am now at a 630 score from a 580. After these accounts were removed, my score didn't really raise that much (I'm thinking because they were pretty old collection accounts). Now I have only 2 collection accounts left- ERC (directtv) and Santander for a repo'ed car back in 2013. Both won't budge for a PFD. I am currently making payments to a lawfirm for Santander because they tried to sue me. This is not a judgement on my report. I also have 6 late's from Navient from 2013. My question is- has anyone gotten a repossession off early? Will removing the last of the lates raise my score? Thank you!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
11721 Contributions
4498 People Helped

Navient is for student loan collection so, until those loans are paid, they will be on your credit report.  There is no SOL on student loans so they remain collectable until paid in full, no matter how long it takes and that will affect your score no matter how much other stuff you get off. 

Reply by
jjc178

1 Contribution
0 People Helped

Thanks for the response.  I tried emailing Navient's Customer Advocate address with a GW letter for the lates but yet to hear a response back.  I figured there I'd at least try!  I've been current with them for 3 years, although I have a feeling this won't matter too much!

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.