I am trying to buy a home. Score pulled today 599, 611, 657 (mortgage version)
Capt one 3000 balance 3750
Capt one 0 balance 500 limit
Credit one 0 balance 1300
vs 0 bal 1200 balance
Amazon 40 bal 900 limit
Wayfair 0 bal 700 bal
Old car 12000 balance no lates. Not showing paid off-already called wells fargo dealers to have them hurry up. 0 lates (388 /mo)
New car lease 36 mo 20k residual (520 mo) not in credit at
2000 balance personal loan 150 mo. 1 year old no
many paid closed med collections. 2-6 years
3 old paid in full judgments 4-6 years old
some late pays on an old car and personal loan. All paid in full and closed. 5-7years old
Fastest way to build credit FAST ??????? I need a house
35k yearly
Capt one 3000 balance 3750
Capt one 0 balance 500 limit
Credit one 0 balance 1300
vs 0 bal 1200 balance
Amazon 40 bal 900 limit
Wayfair 0 bal 700 bal
Old car 12000 balance no lates. Not showing paid off-already called wells fargo dealers to have them hurry up. 0 lates (388 /mo)
New car lease 36 mo 20k residual (520 mo) not in credit at
2000 balance personal loan 150 mo. 1 year old no
many paid closed med collections. 2-6 years
3 old paid in full judgments 4-6 years old
some late pays on an old car and personal loan. All paid in full and closed. 5-7years old
Fastest way to build credit FAST ??????? I need a house
35k yearly
Best thing you can do is pay down the cap1 to less than $350 balance.
A bigger concern may be your dti ratio. $520/mo for a car is really expensive against your income. 
How much do you have saved for a down payment? What are your other monthly expenses?
@Anonymous wrote:Getting the individual utilization on your CapOne under 10% would give you a decent number of points.
+1
Need to pay down that high balance on the Cap One. Get late pays removed probably won't do much considering the judgements and charge off's
