Good Morning Everyone!
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I am pretty new to the forum and looking for some serious expert advice. I have been really focused on rebuilding my credit since the start of the year and have been doing pretty well at it. Credit Scores as follows: 1/1/10 Transunion-519 Equifax-513 06/01/10 Transunion-631 Equifax-585. Today I was approved for Best Buys Mastercard Gold with a limit of $510.00 I was pretty excited as in the past I would get rejected, so I am heading in the right direction. Below is my credit report information:
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What should be my next steps to take? I am really trying to get my score at 700 to get approved for a new home and all the advice/help I can get will much appreciated. Any other information that might be needed please let me know. Thanks again!!
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TRANSUNION
Prestigio Jewelers   6/2004 BALANCE $0 Charged off as bad debt (SHOULD BE DELETED FROM THE REPORT SOON)   Â
Public Savings Bank   4/2010 BALANCE $42 Paid or paying as agreed (OPENED 04/10)   Â
First Premier Bank   6/2004 BALANCE $0 Payment after charge off/collection   Â
Citifinancial Auto   4/2004 BALANCE $6,790 Paid or paying as agreed-60 DAY LATE PAYMENT BACK IN 09/
Arrow Ser   3/2007 BALANCE $0 120+ days past due (FIRST PREMIER WAS SOLD TO THIS COMPANY)
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EQUIFAX
Publicsvbk   4/2010 BALANCE $42 Pays account as agreed (OPENED 04/10)   Â
Arrow Ser   3/2007 BALANCE $0 120+ days past due (FIRST PREMIER WAS SOLD TO THIS COMPANY)
Fst Premie   6/2004 BALANCE $0 Bad debt/collection-SOLD TO ARROW SER.  Â
Citi Auto   4/2004 BALANCE $6790 Pays account as agreed-60 DAY LATE PAYMENT BACK IN 09/09  Â