WHAT SHOULD I DO NEXT?

[UKYVBTJA]

I AM ON A JOURNEY TO A 620 CREDIT SCORE BY DEC 2009.  SO FAR MY SCORE HAVE JUMP FROM 495 TO 580 WITHIN ONE YEAR.  I PAID OFF SOME DEBT, HAD SOME DEBT REMOVE, AND OPEN A SECURED BANK OF AMERICA CARD THAT I HAVE KEPT A LOW BALANCE WITH LOW UTILIZATION.  WHAT SHOULD I DO NEXT TO IMPROVE MY SCORE?  SHOULD I OPEN ANOTHER CREDIT CARD?  SHOULD I WAIT IT OUT?  I AM LOST BECAUSE IN THE PAST THREE MONTHS I CAN NOT GET MY SCORE TO GO ANYWHERE.   

[haulingthescoreup]

What is going on with your reports?

When you look at your FICO score reports, what are the negatives on screen 2 (with the balance scales)?

Right now, we don't really have enough info to help you out.

[Anonymous]

"WHAT SHOULD I DO NEXT?"

Go to Disney Land ?

LOL, sorry I couldnt resist there.

I'm in a similar boat, the fact that you got a BofA secured card means you are on your way.... it will just take some more time, and as suggested what are the listed negatives Fico is giving you?

[Anonymous]

How old is your secured card? You probably need to just let that age a bit...time is your friend.  A few months of on time payments and then possibly apply for a store or gas card card. Kay Jewelers is often used for rebuilding as they seem to approve high 500s/low 600s scores.

Do you have a relative who might add you as AU on one of their accounts in good standing?