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I log on to the forum pretty much every day but very rarely post, call me a stalker, call me what you will. But I was wondering if some of you experts can give me some advise on my next step.
My History:
Sept 2007 - Went to buy a car and found out my credit score was 398! I am not sure which bureau this was pulled from but I remembering the score at the dealership. I had a rough time in college and charged and didn't pay. I was never in extreme debt, but I just didn't like paying my bills.
June 2009 - Had my credit pulled by a mortgage broker
Equifax- 536
Trans Union- 540
Experience - 606
September 2009 - With a ton of work paying down balances, making deals to get things removed, cleaning up mistakes, he pulled my credit again:
Equifax- 647
Trans Union - -694
Experian - 696
Now-
Hovers around the above depending on my Cap 1 usage.
My currently carry no debt but use my credit cards quite a bit since I travel for work.
Highlights and lowlights of my credit report:
Capital One MC - Opened September 2009 at a $750 limit no balance
American Express Platinum - Opened September 2009. I charge $6K - $10K per month and PIF the day before the statement cuts. (I travel alot for work)
First Premier - Opened October 2007. I just pay the monthly fee $350 Limit
Mortgage - Opened Oct 2009
Car loan - (Mom cosigned ) Opened September 2007
Student Loans - Opened 2002 (late2 times (May 2007, Dec 2006))
Discover Card - Opened May 2001 Closed by Discover in 2005 but had a balance. Paid off in July 2009. Late 2 times (Dec 2007, Oct 2007)
Energy Company - Showing a 120 day late in Aug 2007 I need to dig deeper on this one. it is showing that it was charged off but the last activity was Feb 2007.
Please let me know what you think I should do now. I haven't missed a payment since Oct 2007 all of my current open accounts with the exception of the student loans have no late pays.
Thank you!