Hello Everyone,
First I would like to thank everyone for their candid contribution to this forum, not only has it helped in my credit rebuilding process, it has repositioned me in the right direction not to make same old silly mistakes I made in the past.
Now to my question: I am wondering what I could do to increase my FICO scores from where they are currently? (My scores at the bottom) I currently have a CC reporting 3% util and 2 others with zero balance for about 3 months now. I settled a CO which I would like deleted and last 30 days late was April 2011. my other derogs, are from 2007. Please I need help as I plan to Apply for a mortgage loan in the next 3 months.
Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)