Strategy needed, below average score

QuestionsStrategy needed, below average score
asked 4 years ago

Hi everyone!

I’m new to myFICO forums and I joined because I’m sure I can find some great advice and knowledge out here regarding re-building my Score.

Currently I have 6 student loans that are closed on my credit report. Is there a way I can open these accounts and start paying them off?

I have a total of 3 open accounts with credit cards. 1 discover I have 23$ balance 1 chase with a balance of 0 and same with a capital one card.

My credit score is 570 and I’m looking to shoot for 800’s in the long term future.

I understand possibly getting more credit cards and paying them off will help my score but is there a way I can pay off my
closed accounts?

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