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!
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Thanks