Hello , im trying to purchase new home, i need a least TransUnion 650 fico score to start the process. I did a mistake closing my secure capital credit card had for almost two years -14 points auch . Now i have Cap Quicksilver with credit limit $1500 , balance is $900 i just make a payment of $300 so over the %10. Other card is Capitalone buy power credit limit of $ 750 only $200 , last reported was $65 . Merrick Bank 6 months old at $550 credit limit, going to raise the limit after 7 stmt only has $10 balance on it . Only one Installment loan of $2000. My card is paid off i dont have any other load, only one open collection of $90 , i just paid collection of $678 i hope i gets remove , it was pay for removal deal. I have one public record has been paid off last year, dispute has been open update it was paid. Waiting for the response from the creditor to agree to remove the judgements. My Attorney is helping me with the process.
My score is now 623 just got 14 points last week. Do i need more credit card or store card to improve my credit score,
should i just wait until collection gets remove.
Wait and complete vacated judgment.
two years ago my score was 430 , with 11 collections. now only 2 collections shows on my credit report =)
