It's been awhile since I've posted on here. I've very very slowly started fixing my credit. I started in the low 500s for numerous bad reasons but today I'm at 575. Still bad but it's something. Opening a CC a few months ago has been great. It's a capone sec card and I don't think there's the option to upgrade to a non-secured card. So far I've been staying under 10% util when the statement is made (which I think is the proper way to do it, not sure). But I'd like bump my score up while still paying down the baddies and staying current on my debt repayment (loans). What's the best way to do this?
Starting Score: 525
what would you need to know exactly? I have this summary but I'm not sure how much it helps
| Count of Records | |
| Total Accounts | 19 |
| Hard Inquiries | 3 |
| Public Records | 0 |
| Account Types* | |
| Real Estate Loans | 0 |
| Installment Loans | 3 |
| Revolving Credit Accounts | 1 |
| Credit Cards | 1 |
| Retail Cards | 0 |
| Total Open Accounts | 19 |
| Negative Information | |
| Accounts Listed Negative | 9 |
| Accounts in Collections | 4 |
| Time Since Negative | 0.3 Years |
| Current Negative Status | None |
| Most Negative Status | Failed to Pay |
| Debt Summary* | |
| Real Estate Debt | $0.00 |
| Installment Debt | $13,058.00 |
| Revolving Debt | $58.00 |
| Total Debt | $13,116.00 |
| Monthly Payment | $204.00 |
| Revolving Credit Summary* | |
| Revolving Credit Limit | $300.00 |
| Revolving Credit Available | $242.00 |
| Revolving Credit to Debt Ratio | 81% |
| Length of History | |
| Oldest Account | 9.1 Years |
| Average Account Age | 5.9 Years |