And just a heads up your FICO score you obtain are referred to as FICO 8 scores, if you are interested in obtaining a mortgage, the mortgage scores are widely different, with more emphasis on lates, collections, chargeoffs being determential to your scores.
Your most important thing you can do is get all negatives off your reports, rather they are paid for deletes, or paid collections removed by goodwill letters. Do not be gun ho on credit applications ie. credit seeking, as they will review the new accounts, and inquiries will be viewed over the past 2 years when you apply for a mortgage, they only fall off with age. Keep your CC utilization down, preferably all credit cards reporting zero balance at statement cut not due date, and only have 1 credit card report a balance at statement cut that is maximum 8.9 of the total credit line.
