advise

[Anonymous]

First, I started the beginning of the year with a mid score of 517  and today it 647 

I was very strickt at first payed of my 2 capital one cards and evently get cli's and upgraded to quicksilver on both

one has a cl of 1,000

second cl 800

Ive had both of these cards for 5 years now never late

got a amex everyday blue card in april with starting limit of 500.  never late

and mid score was up to 667.

and then i went back to my old ways and maxed out all the cards and score took a nose dive. But as of today the amex is payed off, one of the

capital one cards is payed off, the second i still owe 900.

I also have a auto loan never late

I am back at it hard again, really want to buy a house this summer

only things left on credit report is

credit one co sold to lvnv which is paid in full from 2013 and gwing

enhanced recovery paid in full and gwing from 2011

accounts research medical paid in full from 2010

any advise?

[Anonymous]

---

@Anonymous wrote:

First, I started the beginning of the year with a mid score of 517  and today it 647 

I was very strickt at first payed of my 2 capital one cards and evently get cli's and upgraded to quicksilver on both

one has a cl of 1,000

second cl 800

Ive had both of these cards for 5 years now never late

got a amex everyday blue card in april with starting limit of 500.  never late

and mid score was up to 667.

and then i went back to my old ways and maxed out all the cards and score took a nose dive. But as of today the amex is payed off, one of the

capital one cards is payed off, the second i still owe 900.

I also have a auto loan never late

I am back at it hard again, really want to buy a house this summer

only things left on credit report is

credit one co sold to lvnv which is paid in full from 2013 and gwing

enhanced recovery paid in full and gwing from 2011

accounts research medical paid in full from 2010

any advise?

---

You're on the right track. Just get the Cap One card paid down and you should be fine for a summer house purchase.

[bdhu2001]

---

@Anonymous wrote:

---

@Anonymous wrote:

First, I started the beginning of the year with a mid score of 517  and today it 647 

I was very strickt at first payed of my 2 capital one cards and evently get cli's and upgraded to quicksilver on both

one has a cl of 1,000

second cl 800

Ive had both of these cards for 5 years now never late

got a amex everyday blue card in april with starting limit of 500.  never late

and mid score was up to 667.

and then i went back to my old ways and maxed out all the cards and score took a nose dive. But as of today the amex is payed off, one of the

capital one cards is payed off, the second i still owe 900.

I also have a auto loan never late

I am back at it hard again, really want to buy a house this summer

only things left on credit report is

credit one co sold to lvnv which is paid in full from 2013 and gwing

enhanced recovery paid in full and gwing from 2011

accounts research medical paid in full from 2010

any advise?

---

You're on the right track. Just get the Cap One card paid down and you should be fine for a summer house purchase.

---

Also look in the medical collection section and see if you can get the medical account removed.  I'm not sure if HIPAA or some other reason; but try to get removed. This link might be a place to start.  Good luck and happy house hunting.