I am trying to get my score up over 600!  In order to get approved for a mortgage to take advantage of a the tax credit and get away from renting and throwing my money down the drain.  Anyways I have all but one credit card down to a 0 balance.  I have filed bk 5 yrs ago, have made a couple of late payments but nothing more than 30 days.  I have goodwilled the credit cards to try and remove the late payments with no luck.  Anyways, anyone  that could offer any advice please let me know!

 

Thanks

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