https://ficoforums.myfico.com/t5/General-Credit-Topics/Need-to-improve/m-p/197145#M92908 <DIV>Ok, after college I had a bad habit of making late payments.&nbsp; I have recent paid charge-offs/collections as stated on the cr.&nbsp; I have paid all debt and only have school loan/car loan debt, NO CCs!&nbsp; I have old information on my report (from 2001 to 1993).&nbsp; So I now what?&nbsp; How should I go about improving my score?&nbsp; How do I get these things off of my report? Do I just need to go line by line with the "form" letter to the bureaus?&nbsp; What else do I do now?&nbsp; I found a house to buy and my score is 543! I have no debt to pay down.&nbsp; I think I just need to get the negatives that aren't fixed by ontime payments off the report!&nbsp; HEEELLLLPPP!&nbsp; I'd need to purchase in the next 3 months!</DIV> Tue, 01 Apr 2008 01:52:20 GMT Anonymous 2008-04-01T01:52:20Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Need-to-improve/m-p/197145#M92908 <DIV>Ok, after college I had a bad habit of making late payments.&nbsp; I have recent paid charge-offs/collections as stated on the cr.&nbsp; I have paid all debt and only have school loan/car loan debt, NO CCs!&nbsp; I have old information on my report (from 2001 to 1993).&nbsp; So I now what?&nbsp; How should I go about improving my score?&nbsp; How do I get these things off of my report? Do I just need to go line by line with the "form" letter to the bureaus?&nbsp; What else do I do now?&nbsp; I found a house to buy and my score is 543! I have no debt to pay down.&nbsp; I think I just need to get the negatives that aren't fixed by ontime payments off the report!&nbsp; HEEELLLLPPP!&nbsp; I'd need to purchase in the next 3 months!</DIV> Tue, 01 Apr 2008 01:52:20 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Need-to-improve/m-p/197145#M92908 Anonymous 2008-04-01T01:52:20Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Need-to-improve/m-p/197173#M92922 You need to get a credit mix. Start with a secured card. You should also try GW for those paid COs. Tue, 01 Apr 2008 02:15:07 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Need-to-improve/m-p/197173#M92922 Junejer 2008-04-01T02:15:07Z