Scores???

[Anonymous]

Some more details about what is on your report might help.

Do you have any positive tradelines established? or is everything negative?  You mentioned disputing things.

[GoodCredBen]

I have two car loans that are in the green and have always been in the green - never late....

I also have two student loans in the green - Never been late. 

[Anonymous]

Try opening two secured cards and see it helps.  I was in the same situation as you, couldn't get my scores to go up.  Adding two secured cards helped me a lot.

Also, any collections that are 2 years old or newer are probably hurting you if you have any.

[GoodCredBen]

Do you have a few good examples like what you used? 

[MarineVietVet]

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@Anonymous_vanskike wrote:

Im about to lose it because it says my EQ Fico is 551.... im never goin to get it up.... 

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If you pulled this EQ score from here on page 2 there should be a list of the factors that are hurting and helping your scores. They should be listed in order of importance. What does it say?

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

I started off with a Bank of America and Capital One secured card, $300 limit on each.  Kept balances at 1% at statement reporting time.  Waited 3 months then went to the Capital One website and did their pre-approval process for another card since it doesn't affect your credit, got approved for a $300 regular card.  Have kept balances at 1% since April.

Then paid a 16 month old collection I had with First Premier.

I wound up  with a 140 point gain in my scores in about 6 months and got a mortgage approval. 

[GoodCredBen]

I can get a capital one regular credit card right now - As a matter of fact they mailed me just today saying i was approved for 300 dollars.... 

[mauve]

The rebuilding boards can help you.  However, it sounds like you have a very limited history.  Your 2 biggest factors in your scores are payment history (35%) and your revolving credit utilization (30%).  If you have NO revolving credit (generally, credit cards), that 30% contribution is 0.  Opening one revolving account will help tremendously.  However, you may want to talk to a lender - they may or may not want you to have a new revolving account less than 6 months before you get a mortgage.  FHA may be the best option, rate-wise.