Hello everyone. This is my first time posting in the forum after many months of reading different topics. I am in the process of rebuilding my credit with the hope of buying a home within the next 12-18 months. I will list my credit history below:
EQ 539 TU 577 EX 545 (after FP update on 3/14)
Discover It secured (new this month) $200 Cl, I plan to increase the deposit early next month.
Verve $625 CL
Credit one $400 CL (opened in Oct 2015, and denied CLI last week)
Fingerhut $200 CL (have the card for 2 years and no CL)
Capital one-Authorized user. I applied for a secured card, but was denied. I email the EO on 3/13 and now waiting for a response.
Loans
1, car loan is current
2. Santander-one repo back in 2014. I was not notified that the car was sold and is filling a BBS complaint. I had another loan with them that was paid in 2013, but it is reporting serious delinquency
3. Student loans through GreatLakes (balances are $300,00 which are from masters and phd program); I receive roughly $10k a year to pay towards the balance from the state. Its a loan assumption program. I paid them every month as well.
4. Perkins loan through ESCI-showing 2 payments late
Negatives:
1. First Premier Bank- I had 2 cards with them until they closed both of them in 2015. One was current and they still closed it. I was paying it until January when they stopped sending statements. The other one I stopped paying it. I disputed a car rental charge. I worked to get the charges reversed. However, I discovered that FP never paid the beginning amount. I had prove from the Merchant card services company they used. So they are charging me for something that they never paid. Ive disputed the charged with the CRA's, I am filing a BBS compliant against them. Both cards continue to show delinquency. They updated yesterday and my scores dropped 19 points on all 3 CRA's.
2. Verve card shows 4 missed payments in 2015. I sent a GW letter yesterday. During that time, I was in a car accident, ended up with a concussion and other medical concerns.
3. Continental finance charge off that was paid in 2011. However, it is showing as charge-off. I disputed with CRA's to show paid. I am sending a GW letter for early removal.
4. 2 bills for $600 and $165 both charged off in 2011
5. Pinnacle credit for verizon bill ($1200). The bill was for a family member. It will fall off in 6/17
6. Comcast bill $327 with DOD 12/11
7. Direct tv $435 with DOD 3/14
8. A utility bill collection that was paid in 2011. I am sending a GW letter for removal.
My questions are as follow:
1, Should I pay off the 2 bills from 2011, PFD or way until they fall in 2018? I would prefer for them to not show at all when I apply for a mortgage.
2. What is the best way to improve my score?
2. Any other suggestions you may have?
Thank you advance for your help 
ttt
