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How do I raise my FICO score by 40 points the quickest way ?

Hi, my credit report is really good, but here is what happened. I got really sick several years back and ran up debt. My parents worked with a lawyer to settle them and pay less but close the account. Most of these will disappear in the next 9 months, but I only need 40 points to get to standard. I have started working on fixing anything I can and have brought it up 30 points in one month, but what would you experts suggest I do to bring it up at least 40 more points soon. thanks
I have heard it helps to get a new good credit card and pay if off each month. I haven’t used a credit card for 6 years, so they say to get one and show you are alive and can pay things off. they say this will up your fico score. I have found the best on is B of A and you send in $300 collateral and then you get a “special”visa card and if you pay on time for the first 6 months, then it goes on record as a “good credit person:< Any of you know if this is true ?

So you have already gone through your report and fixed any errors. I have a credit watch program so that I can make sure nothing is going on that would take me by surprise. I tell you what, I am amazed at how quickly it goes down and how slowly it rebuilds! I recently disputed a problem on mine, it was one of those cell phone things. My husband needed service on the rails and they couldn’t provide even though they said they could. We had to cancel and go to another company. We were told that since they were the problem that we wouldn’t have to pay disconnect charges. Life went on for a year….then suddenly…WHAM….we get a call out of the blue! It was a collection company wanting over $400 in disconnect charges!! We arranged to pay that comapny about $200 of it and then they would call it even, we gave them the payment information and it never cleared. When we called back they told us that the company had decided to pull our file and send it to another collection company. Apparently Alltell is really bad about doing this. So…we decided that we wouldn’t pay….why would we? Thy put it on our credit despite our arrangement of payment so it honestly didn’t hurt us to leave it alone because they waited so long through this process that they only had about 18 months of it being on our credit! Idiots!
I decided that I would dispute the charges (in Jan 2007) because I thought maybe I would catch a break and it would be removed….instead Alltell re-repored it and it instantly took my credit score down over 50 points!! I have just decided to stomach the thing and never do business with them again (ahemmmmm Alltell)….and it will come off next spring.
So….Wendy….to make a very long story come to an end……only dispute things that have a chance of coming off or you will actually have an adverse reaction with your score.
Other than that….time and doing the right thing are all that you can do. From everything I have heard, companies that claim to be able to repair your credit are a hoax.
Also make sure that you don’t close out all of your credit cards (those with 0 balances) because my friend (an accountant) says that she has seen this have a huge impact on a score (a drop of over a 100 points). Don’t ask me why because I am not credit savvy….just passing on the tip!

Bo Majors. My bad credit report story. Fix bad credit

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