Hello all.. I am currently trying to get my credit fixed.. I have all of my bills being paid on time now.. I don't really have that much debt that can be paid down other than student loans. I have one credit card with a $300 limit.. I charge on it sometimes but always pay it off every month. I also have another credit card to a clothing store with a $300 limit, that I charge on sometimes but pay off. Other than that I have one small loan of $318 which is being paid. I have an auto loan of $15k, which I pay monthly on time, and then I have student loans. I have 2 government loans, totally $6k, and a Sallie Mae loan for $5k. When I first started school I was not aware that these loans showed up on my credit report. I'm not even fiinished school yet. By the time I get done I should have another $20k in loans. Do these loans hurting my credit badly?
Another issue I have is bankruptcy. It was discharged in January of 2000, how much does that raise my score when it gets taken off in 10 years?
Something else I have a question about is collection items. I have about 4 being listed on my credit report that are all paid. Does this hurt my score?
I'm trying to do whatever I can to fix my credit as I'm hoping to buy a house soon, and I would just like to be able to buy things without cosigners, etc.
Thanks for any help.
Starting Score: 1/24/12 - EQ 550 Current Score: 6/26/13 - EQ 710, TU 686 Goal Score: 750+