What are my next steps?

[kiasmith1974]

I have disputed and successfully removed everything I have been able to so far

The negatives left :

Sallie Mae/US Dept of Ed 2 loans currently in rehab 9th payment is in Feb,

First Premier - $408 CO that I am trying to get removed as the CA  was removed (unpaid)

Judgment - We went to court on this.... an old landlord sued me... per judge if we moved by the date agreed on then we owe nothing....we moved, now judgment is showing as I am liable for 12,000....I'm trying to get a copy of this from the court and see if i can get it vacated.....

Inq's - 4 TU, 2 EX , 7 EQ

The good :

1 cap one plat $500 balance, %49 uti have had this card since May 12

1 cap one cash rewards $500 balance %19 have had this card since 10-12 (cli to $750 after 5 payments)

1 fingerhut account $250.00 limit $0 bal have had this for a few months

That's pretty much everything on my CR.

My current scores are still very low......what is the next thing i can do to try and raise my scores? What type of score boost should i expect to see after my student loans are out of rehab? I'd like to purchase a house in about a year.....any advise is welcome

[NewbieReed]

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@kiasmith1974 wrote:

I have disputed and successfully removed everything I have been able to so far

The negatives left :

Sallie Mae/US Dept of Ed 2 loans currently in rehab 9th payment is in Feb,

First Premier - $408 CO that I am trying to get removed as the CA  was removed (unpaid)

Judgment - We went to court on this.... an old landlord sued me... per judge if we moved by the date agreed on then we owe nothing....we moved, now judgment is showing as I am liable for 12,000....I'm trying to get a copy of this from the court and see if i can get it vacated.....

Inq's - 4 TU, 2 EX , 7 EQ

The good :

1 cap one plat $500 balance, %49 uti have had this card since May 12

1 cap one cash rewards $500 balance %19 have had this card since 10-12 (cli to $750 after 5 payments)

1 fingerhut account $250.00 limit $0 bal have had this for a few months

That's pretty much everything on my CR.

My current scores are still very low......what is the next thing i can do to try and raise my scores? What type of score boost should i expect to see after my student loans are out of rehab? I'd like to purchase a house in about a year.....any advise is welcome

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I would decrease my util if I were u. $0 on all but 1 cards from what I gather. And then on that one card, util should be between 4-9% for the best bump. I would also look into joining a CU since they are great companies that work with the rebuilding population and u might be able to build a good relationship with them for buying a home in the future, just a thought.  And maybe I would also look into a secured loan from a CU for a variety of credit. . .

My $.02

[kiasmith1974]

Thanks for the .2 I'll take it!

[NewbieReed]

Good luck!