Never ever close a card, even if it is paid off. Hurts your score. Just muster up some will power to not use it. The longer you keep cards open in good standing, the better off you are.

As long as the credit card is below 35% utilized, it will not negatively affect your credit.

Student loan consolidation can be beneficial to students’ credit rating, but it’s important to note that not all federal student loan consolidation companies report their loans to all credit bureaus
7 tips to improve credit score

1. Pay your bills on time. Your payment history is a major factor (35% of your FICO score) in determining your credit score. If you pay your bills late, or had an account referred to collections, your credit score will take a major hit.

2. Sign up for online banking and make sure your regular recurring bills are paid automatically. This way you will not forget a payment that will wind up reducing your credit score.

3. Increase your credit limit. Another large factor is the amount of your debt in relation to your credit limit. If you have a card with a $10,000 credit limit and your balance is $9,000, this will not help to improve your score. To make the debt/credit limit ratio look better, you can try to call your credit card company and request an increase in your credit limit. Don’t use the extra credit though! That defeats the whole purpose and puts you further in debt!

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That’s exactly what I’d said … they don’t own your money. Only the interest the earn from it.
Just because someone suggests someone to do some research does NOT make them ANY such thing as “a ’911 was an inside job’ conspiracy theorist.” let alone anything of the like.

You clearly need help. You really do need to do some research.
i know you don’t know/understand the implication of that, though.

As a previous poster mentioned – no one knows how the credit bureaus calculate the FICO scores. Additionally, these scores are calculated DIFFERENTLY depending on what type of credit you might be seeking. For example, the FICO score will be different if you are applying for a mortgage versus a credit card and even different again for a car loan.

Now that we have that out of the way I’ll address some of your other questions:

Creditors can report an account how they choose to a point. For example, they can’t report an account paid as agreed if it hasn’t been. The credit world has to follow a set of rules or it does them (and us) no good at all. So your Charge Offs will still show as a Charge Off, but will also show PAID.

To be honest I do not know where people are coming up with this idea that bad debt can be DELETED off of a credit report. I believe those that promise this to you are mistaken or trying to deceive you. In all my years in the finance and credit industry I have NEVER seen anyone be able to remove derogatory information from a credit report before the normal time frame expired. For most derogatory credit the time period that it will remain on your credit is 7 years from the last ACTIVE date.

Be warned that your creditors may say they will report the debt as deleted, but I suspect that they would not be able to follow through with that statement. I could be wrong, but I don’t think so.

Sorry that I’m not able to answer your question as fully as you would like. Best of luck to you!

What is the source(s) of your claim!?

Points are calculated at a rate that no one but the credit bureau can tell you… One thing that I can tell you that I have learned is that you are allowed to make a consumer statement on your own report (it will appear at the very end of your report) that can explain your situation and can greatly affect an approval/disapproval for future credit.
Example: I was temporarily unemployed due to …….. but am now working full time. i HAVE MADE EVERY EFFORT TO WORK WITH MY CREDITORS TO MAKE SURE THAT MY DEBTS ARE PAID…) ETC. Most people do not know that you are allowed to broadcast on your reports the reasons for your dis -functional credit. Take advantage of this and keep plugging away at your debt. On time payments-back payments- will increase your score dramatically.

As to your first question, no you can not remove inquiries if they are valid. There is nothing that says you can’t dispute it, but they will probably not be removed. In your case a credit score is not given a lot of weight. This is because you have what is considred a “thin” credit history. So even though you had a 730 you found it was still hard to get approved.

When were these inquires done. The credit scores allow inquiries in a 14 day period to be treated as only one. So if you have 10 in a 14 day period, and then 5 in the next 14 days they will only be treated as 2 inquiries.

Now the good news. The inquiries will remain on your report for 2 years. However, they are only used in scoring for the first year. Also, most of the negative effect is in the first 6 months.

Just continue to do what you are doing with paying every bill on time and keeping your CC balances low. As time goes on you should find it easier to get approved for auto loans.

Sister, girl!

For the balance that has $4,000 left, you should ask for a pay-for-deletion if you want a big bang (increase in FICO) score. Actually, you should’ve asked for both when you are paying amounts like $19,000!

You want as many items REMOVED completely from your credit report and given the big dollars you are putting down to PAY THEM IN FULL, these creditors might be willing to oblige and accommodate you.

Try it out. The worse they can say is no. But remember, the pay for deletion must be obtained in writing.

Maybe you can try below website to get the information you need. It’s about credit repair that you can do it yourself articles for your second opinion.

First of all … did I ask you!? No!

Second … did you state/provide a source!? No!

Third … don’t waste my time with untrue/unjust claims.