NEW to the process would like some insite and direction

[mom2girls]

I have been repairing my credit for hte last 4 years, i have not been late on anything, just paid my car off in Feb, the oldest account in good standingis my home 8 years (did have it almost go into foreclosure 4 years ago)  I have 8 baddies and it looks like 3 or 4 fall off late next year.  I just opened a Cap One last month, Any ideas how to help me raise my score 100 points in 6 months?  I am at 618 right now.

[llecs]

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

Start with the above. This forum is a great resource in guiding folks with credit rebuilding. Typically, a score in the 720 and beyond range would be relatively free of baddies. What do you think is holding your score back?