Hello everyone. I am new the the boards 
. My question has to do with my husband's credit report and score. We are currently in the process of cleaning up his credit report and establishing good credit for the both of us. Our goal is to be able to own a home in the future (the sooner the better?). My husband started out at approx $6,000 in debt to various companies. As of last year we had this all down to 4 items on his report totaling approx $900 . We have paid off two collections, and I disputed one and it was deleted. I am int he process of disputing the last item on that report and will then pull another report to see how it looks. This week we went and applied for a Secured Visa Credit Card, and were told we would receive it in about 2 weeks. We put the card balance at $300, and plan to use it to pay for our groceries each month and then pay the balance immediately. I have done lots and lots of research, but I was wondering if you all had any suggestions for what else we should be doing. With all of the negative items paid off on his report, will it still take a long time for him to build up his score? The people at the bank told us it would take 2 years, but I have heard from other places that it can go up decently in a matter of months. Do any of you know? I have absolutely no credit history, so will it take long for my score to build up with this one card? Thank you for your help .
. My question has to do with my husband's credit report and score. We are currently in the process of cleaning up his credit report and establishing good credit for the both of us. Our goal is to be able to own a home in the future (the sooner the better?). My husband started out at approx $6,000 in debt to various companies. As of last year we had this all down to 4 items on his report totaling approx $900 . We have paid off two collections, and I disputed one and it was deleted. I am int he process of disputing the last item on that report and will then pull another report to see how it looks. This week we went and applied for a Secured Visa Credit Card, and were told we would receive it in about 2 weeks. We put the card balance at $300, and plan to use it to pay for our groceries each month and then pay the balance immediately. I have done lots and lots of research, but I was wondering if you all had any suggestions for what else we should be doing. With all of the negative items paid off on his report, will it still take a long time for him to build up his score? The people at the bank told us it would take 2 years, but I have heard from other places that it can go up decently in a matter of months. Do any of you know? I have absolutely no credit history, so will it take long for my score to build up with this one card? Thank you for your help .