Expert: David - 5/21/2009

Question
I have a low credit score.  I filed ch7 bankruptcy in 2002.  I have several paid collection accounts(from 02 -03) that will start to fall off my report due to age within the year.  The only open collection account I have is an auto lease charge off 1,000 from 08.  The lease was up in 05, can the original creditor charge off in three years later?  It now shows a 0 balance but the jdb has an open account for it.  My student loans were late 90 days in Feb 09.  The only open accounts I have are a car loan(since 06) paid as agreed and a paypal account that was 30 days late last year.  Can you advice me how I can raise my credit score given all my past mistakes?  Mm score right now is about a 570ish..Any advice would be greatly appreciated.  Thank you..

Answer
Sharon,

You can drastically increase your scores by taking a few easy steps.  You have two objectives:
1. Have negative items removed from your credit history
2. Replace them with new positive lines of credit

There are a few easy steps to do this.  Start by visiting:

www.financialscoringsolutions.com

Feel free to contact us if you want details

David
219-718-8566 Direct
financialscoring@sbcglobal.net
www.financialscoringsolutions.com