Hi Everyone,
I stumpled upon this forum a few days ago, and I can tell that this is a place that is going to really help me rebuild me credit. As I read through some of the threads, I saw terms like "app spree"and "gardening" and realized that I have obviously missed some things. I don't know what those things mean or how they (might) apply to me, so any help would be appreciated.
A little bit about me:
- My student loans just went into repayment (under IBR and I'm paying as agreed)
- I have a few unpaid collections that I intend to pay (but I think I should PFD these if possible, right?)
- A few baddies that have been paid, but still appear on my credit report (as paid)
- No late payments on my one credit card (Capital One secured card) or the personal loan I have through my bank
I don't know what I should be doing at this point (other than keeping the card's utilization low) to get my credit score up. When I checked my credit score this month (FAKO through Equifax), it was 590.
If anyone can point me in the right direction (especially to a few threads that might be beneficial to me)...
Many thanks.
Starting Score: 640 FICO (TU)
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