Looking for guidance on what to do

[CSX1466]

Ok I've listed of few times here and I have learned so much but I'm still a newbie and really looking for my next step. Here's my situation. I'm 27 I just got married in march and have a baby on the way due at christmas and looking to get a house next year here's my sit. My equifax is a 588 last I checked TU was a 593 and exp was a 533. I have a current auto loan through regional acceptance for on my Dodge ram in good standing with on time payments for the last 9 months. I do have a flag with them for a late payment In 2012. I have a judgement from a repo in 06 coming off this September but its not showing under EQ. I have no collections showing either. I just opened up my first CC with capital one ( secured 300$) and Credit first for 300$. Wha else can I do to get my scores at a 640 across the board. I have been on time with all my payments. I do have a Monroe muffler card for 1200. With 950 on it. Paying it on time every month

[Shogun]

What do have that is in good standing?  Just the auto loan?  You have a thin file, plus baddies.  Even when those baddies fall off, you will still have a thin file.  You need to add some accounts to help strengthen it.  Maybe a secured card or two.

[CSX1466]

I have a Monroe muffler card ( revolving acct) in good sanding And I have 2 CC that should be coming in the mail any day now, and my auto loan. Other than that nothing. What else can I do

[Shogun]

Actually, it sounds like you are doing a very good job.  You have the new accounts coming, some baddies dropping off soon.  I think it's gardening time.

[Shogun]

That late was a bit recent, I'd kindly ask for a GW.  

[CSX1466]

Ok now do I call/ send letter to regional acceptance ( auto loan) or to the Credit Bureau