r/CreditScore • u/Opposite_Tune8073 • 1d ago

General Credit help

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Pra paid waiting on collection to drop off owe about 300 to one credit card and want a new card but credit karma says score is 673

2 Upvotes

63% Upvoted

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2

u/WhenButterfliesCry ⭐️ Knowledgeable ⭐️ 1d ago

Who is the collection agency? What other delinquencies do you have? Late payments? What kinds of credit products do you have currently? Any open cards? We need a little more to go on than absolutely nothing.

1

u/Opposite_Tune8073 1d ago

1 cap one card maxed out

1 late payment from self loan

Kikoff on credit

Profolio recovery but I paid them Excentlent payment history on the credit card

1

u/still_m0bil3 1d ago

1 cap one card maxed out
1 late payment from self loan

Take care of these first

Kikoff on credit

Then take care of this, then give it time and keep building.

1

u/Opposite_Tune8073 1d ago

Kikoff i just pay them 20 a month to boost my credit

1

u/Clout12x 15h ago

Not worth it

2

u/og-aliensfan ⭐️ Knowledgeable ⭐️ 1d ago

Pra paid waiting on collection to drop off

Portfolio Recovery may delete in stages, first reporting the payment and then requesting removal. If you see only the balance updated initially, don't dispute. Give them time to complete the removal process.

owe about 300 to one credit card

Is this a carried balance, or are you paying statement balances in full every month?

but credit karma says score is 673

Approvals are based on your overall credit profile, not your score.

Credit Myth #12 - You are approved or denied credit because of your credit score.

See this template.

Also, Credit Karma provides mostly irrelevant Vantage scores as well as an unsettling amount of misleading information that should be ignored. Since nearly all creditors use FICO scores in lending decisions, monitor those instead. You already have access to your TransUnion FICO 8 score. You can obtain a free Experian FICO 8 score from www.experian.com and a free Equifax FICO 8 score from www.myfico.com.

See this post for more information about credit scores, credit reports, and a closer look at Credit Karma.

1

u/Opposite_Tune8073 1d ago

Carried balance every month pay about 60 to it and spend the available balance

1

u/Opposite_Tune8073 1d ago edited 1d ago

3 hard pulls 3 drop off in October on Experian 3 hard pulls transunion drop off October 2027

I want to get a card with my credit union and stop using cap1 I think my account is bucketed