Need help with next step

[pvargas]

Hi,  I have been reading several threads in all forums to try and educate myself as much as possible.  I am trying to buy a car within the next 6 months if possible.  I need some help with what steps I need to take next to help improve my chances.  

Current FICO Scores:

              Before       Current

Equifax   528            645

Trans      547            603

Exper      598            644

1 collection on 3 reports (this is directv showing on all 3)

2 negatives on revolving accounts (one negative is a cap. one card that just charged off/closed in 2013 and the other is a first premier from 2011that is charged off)

I guess my question is what should I do first to help improve my chances in buying a car.  I have been working really hard to improve my score.  I was able to get a signature loan from my credit union and also was approved for a credit card from my credit union.  I was approved for a retail card as well.  

Thanks for anyone and everyone that can help me out.  I posted this in the rebuilding thread and had no responses.  I'm hoping someone can guide me in the right direction here.

[Creditaddict]

I would add another credit card.

have you checked pre-qual offers for capital one?

might be a good time to snag discover, they seem to love starting to rebuild people that haven't applied for a bunch of stuff yet.

is the collection ""paid"?

how about the chargeoffs, paid?

[pvargas]

I did the pre-qual for cap one and showed I was pre-qual for quicksilver and platinum, when I submitted the full app. i was denied.

The charge off or the collection are not paid.  I was planning on sending a PFD to each of them?

[pvargas]

ok, so I had seen on another post where they disputed a directv collection for proof of contract.  I tried this on Experian and Transunion.  I just received notice from Experian that the collection will be deleted...woohoo.  I am so happy.  That is the only collection on all 3 reports.  So if it's deleted from one report will it automatically get deleted from the othere two.  Also, when should I see this hit my score? 

[Creditaddict]

No you have to dispute on all three separately

[pvargas]

Thank you.  I will have to go into Equifax to do that now. 

[pvargas]

UPDATE:

The Directv collection has now been deleted from all 3 CB.  I am still not seeing a change or a report to my score.  I am currently enrolled in ScoreWatch through myFICO and I thought I would see a change by now from Experian since they deleted it earlier this week? Any thoughts?

[fury1995]

Have you attempted applying for an auto loan from the same credit union yet?

[pvargas]

Not yet, I am planning on doing that early next week.  I was waiting to get the collection off in hopes that it would improve my chances. 

[fury1995]

How long has it been since you were approved for the loan and credit card from your credit union?