CURRENTLY: As of yesterday: EQ: 703, EX: 666, TU: 635 Scheduled to come off 3/1: Tax Lien (11k), two medical collections ($1900 total). Negotiating: CA PFD (Chase-24k), DirecTV collection ($237-they say I suspended service when in fact I cancelled it when I sold my house, still have to return box to them, which makes up the vast majority of money due). I'd like to have these squared away within a month. Beyond that, my old mortgage, etc. shows good history, free and clear. At the present time, I have no credit cards whatsoever, only a debit card. No car payments, no mortgage, no installment/revolving any sort of credit whatsoever. I'm self-employed and make a good living. WHAT I WANT TO DO: I'm moving to NYC, to base myself out of there for work purposes. More money/opportunity. Would like to jack up the scores before the prospective landlords pull a CR. Also, like everyone else here, jack up my scores as much as possible within the next three-four months. BUT NOW WHAT? In order to prove credit worthiness, how shall I go about it? A secured card or two? Should I go for an unsecured card? A store card? Do I get a small bank/credit union loan and pay it off right away? Your thoughts appreciated! (sorry it's all one paragraph, I'm tryyyying to space it, but can't seem to on an iPad grrrrrgh)
