W
woohoo
Guest
2 years ago, my credit score was 640. I got 3 credit cards- 2 high interest clothing store, one major credit card. I lost my job, and all three were charged off. When I was being called by collection agencies, I was terrified and told them I was still working, even though I couldnt make payments. Ive paid all but a few hundred dollars off, but have these 3 charge offs on my history. My score from one of the 3 major places was 530. Ive only checked with one becuase I am told it hurts to check too often. I dont want another credit card, I dont think I could get one even if I did want one, but I dont know how to increase my score in a timely manner. Ive always paid my phone bill on time, but aside from that I don't have any other bills (husband pays rest). What can I do to raise my score??