With advice from here, raised my credit 100+ points in less then a year. Next month, going to be dropping my credit usage down to 30%. My issue is that I had several deliquents and I used the secured card to pay them off by paying the deliquent off and paying off the card. Went on a trip this month so left my credit balance the way it was and figured I’d pay it off at the end of the month. Besides, it is in the zone where it checks my score to see if I can be transferred to an unsecured card.
My issue is this. when I started paying off the delinquents, I had more pop up from 2013-2015 and are only now being reported on my credit. I know that there is a statute of limitations but does that start when the debt is accrued or when they first start reporting it? If those 3 new reports were not added, it’d probably raise my credit another 40+ points (based on the estimate before they were placed on my credit report.) Two of the reports are from 2013 but didn’t start getting reported until 2018 and 1 is from 2015 and didn’t pop up until this month.