I am trying to rebuild my credit after losing my job a few years back. I am now back on my feet financially but it's been hard moving past the credit blemishes. I am open to any and all advice to net the best increases. Here's the run down:
Open Accounts
Wells Fargo Secured Card
Current
CL: 2500
Never Late
Opened 10/2014
Santander
Loan Amt: 15374
Current
Never late
Opened 03/2015
Pmt Amt : 381
US Dept Education
Loan Amt: 25449
Current
Never Late
US Dept Education
Loan Amt: 9750
Current
Never Late
Cfnc
Current
Loan amt: 1493
60 days late in April 2015
Cfnc
Current
Loan amt: 3712
60 days late in April 2015
Cfnc
Current
Loan amt: 2103
60 days late in April 2015
Navient (formerly Sallie Mae)
Loan Amt: 1656
Current
Never Late
Closed Accouts:
Truliant Federal credit Union
Auto loan
Opened 6/2008
Closed 2/2014
Paid, closed was 30 days six times-starting April 2009
Collections:
Interstate Collections
Medical
Paid $10 Sept 2015
Balance $0
Optimum Outcomes
Medical
Amt: 107
Balance: 107
Opened 6/2015
Optimum Outcomes
Medical
Amt: 729
Balance: 729
Opened: 4/2015
Optimum Outcomes
Medical
Amt: 556
Balance: 556
Opened: 6/2015
Resolve Partners:
Apartment Collections
Balance 2010.00
Opened 2/2010
Capital One
Opened 6/2012
Charge off
AMT 739
BAL $0
Paid September 2015
Should I open more cards? I'm at a lost here. Ex Fico is at 600. It won't really move much. I paid off charge off and I dropped 10 points due to no revolving balances. (I normally pay off wells cc in full each month...) I thought charge off was being factored in utilization and that I would see an increase after payoff, but I didnt. Idk what to do. I need/want like 40 more points for mortgage...where do I start??
