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Ok, so where to begin....
I originally started on this repair journey a couple years ago and have been up and down like a yo-yo with my credit score, from the low 400's up to the mid 600's where I just was.
Curren Credit Scores are in the low/mid 500's as of 9/1/16
Currently I hold a couple CC:
Cap One - Quicksilver One -- CL $1750 -- MAX'D
Cap One - Platinum One -- CL $950 -- MAX'D
Amazon store Card - CL $800 -- MAX'D
Barclay Card -- CL $1000 -- MAX'D
Kohls store card -- $300 -- MAX'D ****showing a 30/60 day late these past two months, due to circumstance beyond my control, working with Kohls right now to try and get the 30/60day lates removed***
Also a Auto Loan with Honda financial at 15% which I want to refiance horribly.
I have 3-4 baddies in total on my credit report -- (a couple medical, and a closed Discover Card w/ a 30/60/90 day late on it, although it is paid)
The things I would like to accomplish in the next year and under....
*Refiance/trade in my car(2015 Honda Accord) for a Honda Odyessy (we have another child on the way)
*Buy a house by August of 2017 for the start of the school year.
*get my credit scores above 700 across the board
So this is where I need your help.
Obviously the first thing is paying down the Credit Cards to get below at the least 30% utlization.
What else should I be doing, strategies, etc. Thanks in advance