I'm currently trying to rebuild my credit and I REALLY need help ! This is what I have on my TU credit report:
TU Credit Score : 542
Balances: $9029
Payments: $124
Credit Accounts: 14
Open Accounts: 8
Closed Accounts: 6
Delinquent: 0
Inquiries (2 years) : 9
Derogatory: 7
Public Records: 0
REVOLVING
Victoria Secret (opened in the last month) : $350 limit, $41 balance
Capital One Secured: $500 limit, $477 balance, 60 days late 10/15, 30 days late09/15, other than that, payments are current 
pened 02/2014
INSTALLMENT
fed loan, $1884 balance
student loan(Mohela) Current balance: $2921, limit $2625 Opened 10/2001
student loan (Mohela) Current balance: $1461, limit $1313 Opened 10/2002
Fingerhut : Original Balance $203, Balance $0 (Closed 02/22/15) 1- 30 day late 12/14, 60 day late-01/2015
FairfieldFederal Credit Union : Auto loan, original balance $2500, balance $0, opened 11/2012. closed 07/2014 (3) 30 day late, (3) 60 day late
COLLECTIONS
National Credit Systems: $1485 (currently disputing. Information inaccurate)
Southwest Credit Systems: $0 PAID (Was supposed to be removed by OC, Currently disputing)
Mid South: Medical $596
Mid South: Medical $164
Mid South: Traffic Ticket $0 PAID (Date to be removed 10/2016)
Mid South: Traffic Ticket $0 PAID (Date to be removed 10/2016)
Mid South: Traffic Ticket $0 PAID (Date to be removed 10/2016)
WHAT are the next steps that I need to take in order to increase my score ? I applied for a Credit One and was approved for $350 but they wanted me to provide more information and I have not. The inquiry did not show on any of my reports. Should I accept ? ANY advice will help. When the $1400 collection falls off, will that help my score any ? Im almost POSITIVE that it will be removed within the next 30 days.
