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now what?


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Posted by kattwalk (66.199.15.190) on May 25, 2004 at 10:53:53:

I'm starting out with a credit score (as of 9-03, last time I checked my rating) of 560. I had one delinquent account in collection of $66, one of approx. $570, which i have settled in one lump sum of 70%, and one of $318, which is settled for 60%. The only thing left after those will be a student loan, which is in good standing. I have made arrangements with the collections to have these paid at the end of the month. After they are paid, then what happens? How long will it take for my score to raise, and for the bad to cycle out. I am trying to play the credit game right. I was one of the "freshmeat" college students that wanted the free t-shirt. Now I wish I would have been educated on credit.
I am shooting for at least 650-700 before I open new accounts. Now that I am steadily employed, I have confidence in doing it right. It's just convincing others that I have learned my lesson that will be the hard part.

Thanks in advance.



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