More direct steps to improve FICO score?

[prim2007]

Originally Posted by borolady

Just pulled my credit report and found 2 negative comments. One was because a credit card was just opened at a clothing store and the other was because there was a late pymt in Jan to another clothing store. It has since been paid off and was under $60....of course the amount is never part of the information provided on the credit report.

Any idea how long it will take my credit score to improve from these 2 negatives? Interested in purchasing a vehicle next Fall and want to be sure fico score is in 700's.

Anyone know how much these 2 negative items may have lowered my fico score? It was mid 600's.

The negative info will stay on your record for 7 years but as each year goes by, they will have less impact on your overall credit score. It's a real pain though to see that negative info still on your report 3-4 years later.

[seanmason]

That means store cards like Kohl's, Sears, Rooms to Go, etc... Every time you do this you hurt your credit score even though it seems like a harmless thing to do.