Next steps?

[cam006]

Okay, I've followed the stellar advice given on the board so far and I've received two new cards - First Premier $250 cl (6/07) and Orchard initially $500 (1/07) auto cli to $700. 

EQ Fico - 633.

DH and I are buying a house and will likely be closing 7/25/08. 

My derogs are Toyota Motor  2 TLs- 1st one was lease pif still showing 60 days.  2nd one (same car) is pays as agreed pif 4/08 but was a redeemed repo. 

AFNI - for an old cell bill $381 bal, shows as bad debt.

old providian acct - bad debt $14K due to fall off 2009 (past SOL)

old citibank acct - bad debt $16K (i think) due to fall off 2010 (past SOL)

I don't plan on doing anything until mortgage is done, so what should I do next?

Forgot to add: 2 old SL tradelines that report bad/debt collection $0 bal.  My sls have been rehabbed and now I have 2 additional SL tradelines that show same open dates as orginals 6/98 and are pary as agreed (never late).    I've tried disputing SL's with CB (3 x's) and they keeping coming back verified.  I've contacted AES  (SL co) and they said they've sent updates to CB's and to dispute.

I already posted this on the 'rebuilding' board, but I thought I might get some answers that may relative to applying for certain cards in addition to GW's etc.

[Anonymous]

I would say let your positive tradelines age a little bit, as you are doing that attempt to GW the car tradelines. In 6 months I would consider a store card you would use a lot (but not if you already have one), then in a year to 18 months I would replace any card with an annual fee with non annual fee cards.

Some people might suggest more aggressive moves but I think you need time to build your score up to go after prime cards.

[cam006]

Good advice,

any other input?