Looking to improve my scores

[toddy]

How can I improve my credit scores?  I am just like Robinson in credit ocean.  Do not understand these letters: TU EX; etc.  I got 1 VS from BOA. That's all.

Can I buy Wal-Mart Layaway then apply store card to improve.  How many store cards I need!!!

I need help quick.  Thanks.

[llecs]

Welcome to the forums! OP, I split your post to form a new one here. I had to edit the title, but changed nothing else. If you'd like to change the title, click "Options" and then "Edit Message".

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted. 

How recent is the BofA?

Do you have anything negative reporting?