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I just checked my FICO and Vantage Score TU -663 EQ -683 EX - 784. Payment history: Poor Credit history: Great Debt/ Income Ratio: Great. The problem I had was there werte 3 negatives on the report which I have paid off back in 2010 but they show on the negative I believe for 7 yrs. Is there anything else I can do to improve my credit Score in the meantime? I was hoping to get aqt least a 700 or better without waiting the 7 years.
First of all, you must get in touch with the creditor and send a goodwill letter to remove such negative listings. If it doesn't work, you may get in touch with the CRA and get this debt disputed. Improving credit score has to do with your consistent effort e.g. making on-time payments on your current debts (if any), obtaining a secured credit card etc.