26, made some poor choices in my youth that have affected my credit scores, looking for any and all advice to get my self back on track and 700+
had a suzuki motorcycle loan in 07, 3 years, paid in full in good standing, around that same time a chase visa student card was issued to me with a 500 dollar limit that was promptly maxed out like an idiot and never paid till it got sent to collections and was a settlement. a honda financial car loan for a year in 08 in good standing then sold. 2011 purchased a truck fianced through ally auto, 40k loan, decent down payment, intrest rate was 4.9% by my self with a 550ish credit score. kept truck for 2 years, with 4-5 late payments, 30s and one 60. sold truck and loan was paid in full.
Have had a cap one platinum card since 2011 as well, was a 500 dollar limit and i never, ever touched it. started to use it and with in a year of use and good payments got bumped to a $3500 limit
once again, had an issue with a Cabelas club card through foremost bank, was a charge off. Not sure what the proper way of handing this account is, and no one has tried to collect on it until just recently upon looking at my experian report and is being reported by cks financial.
Had a handful of parking tickets and red light tickets showing up as being collected, those were all paid for delete and helped greatly.
Currently have a lease through Honda Financial, was approved for the lease with a 560 credit score, consistant with what the cap one trans union shows. past 15 months never an issue with payment. opened a cap one platinum card for to see what would happen, app got submitted twice somehow and i would up with two platinum cards in the mail, one with a 1k limit, one at 500. Figured why not roll with them both, and combine them for one card with a higher limit after 6 months. Also have a recent barclay rewards card with a 2,000 limit.
Utilization amungst the 4 is at 32% and decreasing monthly
More or less i am looking for some advice to clean up the rest of this stuff, get my self 700+ and hopfully ready for home ownership in a few years, also would like a spg amex or saphire prefered card in the collection.
What do i need to do about the charge off?
I have a 200 dollar account showing collections from 12 that was from ipass violations, collections company will not pay for delete. best to simply pain in full and be done?
Any other helpful tips to keep growing/ moving this score forward. have gone from a 550 in 14, to a 607 as of today via the transunion score reported by the cap one app, and credit karmas Transunion shows 671 and equifax is a 619
Thanks in advanced
