My SO has been fortunate enough woth a couple defaulted SLs to squeeze some CLIs out of them. Have you tried for any CLIs on the Care Credit? They are also Sync. Are the defaults on your CRs or too old to be reported currently? If they are on your CRs, once those are cleared up (probably a couple monsth after the last payment), you will probably have a better score and better results. The other 3 loans are UTD.ĭefaulted SLs can definitely weigh you down. I'm in my last month of rehabbing 2 federal loans. I have no other debt except for student loans. I pay off all other cards in full each month. I use Amazon for groceries and all other purchases during COVID (I WFH and basically never leave). Any other tips? Is it because I had a Ch7 in 2014? I have asked for an increase and been denied. Every month, I pay off the card in full (I hit the limit, then pay it off, usually 2xs a month). Now, it is 694 on experian and 704 on CK with income of $110K. Gave me a $370 credit limit years ago when my score was about 580 and my income was $60K.
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