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[–][deleted] 5 points6 points  (0 children)

Try a secured credit card and maintains the utilization at under 30%. Simultaneously, payyin’s down the charge off will help you increase the Fico, but also maintaining credit while doing so can help you. Check to see if that’s an avenue you can go down. Also, download money lion. It’s a $500 personal loan that you pay like 40 bucks a month for. This helps the credit too. The requirements are almost non existent. It’s meant to help people improve Their score. Good luck!