Is it possible to go from a 665 to a 800+ credit score? If so, can you give me suggestions on how to obtain that score.
Also, how long would it take to obtain a score of 800+ if all avenues are exhausted?
Current credit score is 665
ROGERS WIRELESS INC
Association to Account: Individual account BalanceAmount: $0.00
Type of Account: Open Past Due: $0.00
Date Opened: 2005-06 Date of Last Activity: 2006-09
Months Reviewed: 15 Date Reported: 2006-10
Status: Paid as agreed and up to date
Payment History: No payment 30 days late
No payment 60 days late
No payment 90 days late
Prior Paying History:
Comments: Monthly payments
CDN TIRE M C
Association to Account: Individual account BalanceAmount: $126.00
Type of Account: Revolving Past Due: $0.00
Date Opened: 2002-01 Date of Last Activity: 2006-10
Months Reviewed: 57 Date Reported: 2006-11
Status: Paid as agreed and up to date
Payment History: 03 payments 30 days late
03 payments 60 days late
No payment 90 days late
Prior Paying History: Two payments past due ( 2005-03 )
Two payments past due ( 2003-09 )
Two payments past due ( 2002-12 )
Credit History and Banking Information
A credit transaction will automatically purge from the system six (6) years from the date of last activity. All banking information (checking or saving account) will automatically purge from the system six (6) years from the date of registration.
No Banking information on file
Public Records and Other Information
Bankruptcy
A bankruptcy automatically purges six (6) years from the date of discharge in the case of a single bankruptcy. If the consumer declares several bankruptcies, the system will keep each bankruptcy for fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating “included in bankruptcy” and will purge six (6) years from the date of last activity.
Voluntary Deposit - Orderly Payment Of Debts, Credit Counseling
When voluntary deposit – OPD – credit counseling is paid, it will automatically purge from the system three (3) years from the date paid.
Registered Consumer Proposal
When a registered consumer proposal is paid, it will automatically purge three (3) years from the date paid.
Judgments, Seizure Of Movable/Immovable, Garnishment Of Wages
The above will automatically purge from the system six (6) years from the date filed.
Secured Loans
A secured loan will automatically purge from the system six (6) years from the date filed.
(Exception: P.E.I. Public Records: seven (7) to ten (10) years.)
No Public Record information on file
Collection Accounts
A collection account under public records will automatically purge from the system six (6) years from the date of last activity.
No Collections information on file
Credit Inquiries to the File
The following inquiries were generated because the listed company requested a copy of your credit report. An Inquiry made by a Creditor will automatically purge three (3) years from the date of the inquiry. The system will keep a minimum of five (5) inquiries.
2006-09-24 PC FINANCIAL CIBC
2005-06-26 BELL CANADA
2005-06-26 BELL MOBILITY
2005-04-12 BELL MOBILITY
2004-06-01 TELUS MOBILITY
The following “soft” inquiries were also generated. These soft inquiries do not appear when lenders look at your file; they are only displayed to you and do not affect your credit score.
2006-11-26
2006-11-26
2006-11-26
2005-10-29
Based on this info, what can I do to bring my credit score to 800+ ?