Rebuilding Your Credit

[hopeful23]

Long story short, I didn't care about my credit for a long time. Very wrong, this I know.  I am now older and a lot wiser (thank goodness), I haven't had any negative items on my credit report for 4-5 years. I had a few things on my report that wasn't accurate so I disputed those 3-4 months ago. My score jumped from the low 500's to nearly 600. I just recently paid off the 4 unpaid collections accounts on my credit. I also have a secured credit card now.....

What else can I do to improve my credit? (All negative items have now been paid in full)

[Repo-ed]

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hopeful23 wrote:

Long story short, I didn't care about my credit for a long time. Very wrong, this I know.  I am now older and a lot wiser (thank goodness), I haven't had any negative items on my credit report for 4-5 years. I had a few things on my report that wasn't accurate so I disputed those 3-4 months ago. My score jumped from the low 500's to nearly 600. I just recently paid off the 4 unpaid collections accounts on my credit. I also have a secured credit card now.....

What else can I do to improve my credit? (All negative items have now been paid in full)

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Have 2-3 secured cards, and let them garden.

Send GWs to try and have any CO removed.

[hopeful23]

Thank you, and I'm sorry I'm new to this site and have found a lot of helpful information. But what is a GW?

[AndySoCal]

GW means goodwill letter I would send them to the collection agencies  asking them to delete their reporting fo your acocunt to the bureaus. You can use for other things as well. Thieir examples on the formum.