Ok I've been on forum for a while and got my score up 40 points in one year. Only credit I had a over a 1.5 year ago was a car payment. I got a secured card last May and score went up. Now car is paid off as of two weeks ago. Now only credit I have is the one card with $500 limit and 0 balance. I want to try to get score up to 620 by 1/2013. Currently TU 579 , EQ 529 my fico. I have 3 30 days lates on car 12/11, 1/12, 2/12 which I have sent a GW letter. I have 4 collections--one of which will drop off 10/12 which will leave comcast, sprint and a medical which I will try PIF letters. So do I get another card or what? Thanks everyone. This forum has been a God send.
