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Greetings all. I paid off all my collections in March. Question is how do I begin rebuilding my credit? I've applied for two credit cards and have been denied. One for a jewelry company and one fuel card. I don't have any debt, just rent and utilities, and a student loan for my son, which has never been late. How do I start? Is it too soon to be applying anywhere? Any help will be greatly appreciated. Would like to purchase a home, eventually.
Also, my fico jumped from 598 to 674 experian thanks to a huge decrease in utilization. Transunion 561 to 630.