Hello everyone. I am trying to get my credit straight so me and my husband can buy a house in the future. Not sure where to start. Pulled my credit report from annualcreditreport. I was only able to get my Equifax. I have sent off paperwork to get the other two. I have a checking/savings acct with my Local Government Federal Credit Union and I saw that my FICO score as of 4/21/16 was 587. I have a joint BB&T credit card that is almost maxed out, but I am making payments on time monthly. Yesterday I applied for a Capital One Platinum card and was approved for a $300 limit. I also have a Auto Loan thru Ally and have been late 7 times since February 2013. I have been paying on time since June 2015 though. Below is how my credit report is looking.
Closed Accts:
Credit One Bank
Date Opened 8/1/09
DOFD 4/2010
$567 Charge Off
First Premier
Date Opened 11/1/09
Date of last payment 2/2010
High Credit $323
Paid and closed
Verizon Wireless
Date Opened 10/24/09
Date Reported 4/2016
DOFD 4/2010
Amount Past Due $870
Date Major Delinq. First Reported 11/2015
Charge Off
Collections:
Optimum Outcome
Date Reported 4/16
Assigned 12/15
DOFD 7/15
$86 unpaid
Optimum
Date Reported 4/16
Assigned 12/15
DOFD 7/15
$166 unpaid
Optimum
Date Reported 4/16
Assigned 12/15
DOFD 7/15
$475 unpaid
Optimum
Date Reported 3/15
Assigned 10/14
DOFD 7/14
$86 unpaid
Bull City Fin. Solutions
Date Reported 3/16
Assigned 10/13
DOFD 9/13
$622 Paid
Please help me!! Need to know where to start. Thanks for you help, Jessica
