Don't Know Where to Start / Need House In a Year / Need Direction

[uphoto]

I have one delinquent on my credit:
Date of 1st Delinquent: 2/2009 with a cell company (not even sure this is really something from me - haven't been with that company for way before 2009) it's for $132

nothing else shows on my report ( however havent run a report since 2012)

my wife has amazing credit, several cards and the house is in her name and her mothers. 
We are looking to move into a newer house in the next year to year and a half

I did have a First Progress card, that I never used so they closed the account and sent me my money back.

I am looking to actually have some credit and also help with the mortgage that will be upcoming.
How should I remove that cell company delinquency?
Should I apply for credit cards? what kind?
I also read somewher that I should try to get put on my wife's credit cards? is this helpful?

Thanks... in the dark but trying to find a direction

[down_n_out]

Pull all 3 credit reports to check for anything good or bad, do a DV for the collection account. And yes being added as an Auth User on a positive tradeline will help your credit score.

[Whitneyy]

Welcome to the forums!

I would first and foremost pull your NEW credit reports and see what they have on it. As far as credit cards, I like starting with capital one or maybe your banking institute.

[gdale6]

You want to request your updated reports via US Mail and get hard copies they have more info on them than a disclosure online gives.