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Hello,
I have about 6 credit cards, about 3 of them are online (2 paypal and 1 amazon) and 3 that are physical cards (2 chase and 1 bOfa), They total to about $5400 in credit. My credit score right now is about 520. I also have student loans, no rent or mortgage. What are some tips to build up my credit? I tried to find some 0% apr credit cards to transfer over but I don't think there are any with a credit score like mine.
I am also looking to purchase a car, I was approved with capital one auto with a co-signer, my interest rate is 17.01% over 72 months with an amount of $26-27k.
Any tip is appreciated.
Thanks!
Welcome to the forums.
Do you want a thicker file or higher scores, both?
What is your utilization on your 6 CC like?
Any negative information on your CR?
Hi Sorry for the late reply. The only report I was able to pull was an Equifax, it looks really confusing. I have had a couple of student loans and a couple of credit card that were late on payments. I'm not exactly sure how to read this report, maybe I will try a different report. So far on the credit cards, they are mostly all maxed out. i am trying to pay them off. My goal is to get a higher credit score.
After looking at the top, it says I have "potential" 12 negative accounts. Not sure why so much since I make most of my payments on time. Could it be because once interest hits it goes over the credit card limit?
I am thinking I should send GW letters to the negative accounts, not sure if I need to do any PDF as I am not sure if anything at a collection agency.