I Need Some Advice. Help Please!

[Anonymous]

This year I started rebuilding my credit to possibly buy a house in the future. To my surprise my scores came up very quickly and I'm at a 627Eq score. The problem is my TU which is at 581. I need it over 620 my LO told me. I have one credit card which is at 0 balance. and the only other debt I have is my car, which I'm paying as scheduled. The one difference I've noticed on my CR's is on equifax It reads that I'm good on applynig for and receiving new credit, whereas it reads not good on TU. Should I apply for another credit card? Anyone have any suggestions on what I should do? Please help me out.

Message Edited by rizzy on 07-24-2009 12:29 PM

[llecs]

You might see a bump in score by adding a charge account, e.g. a store CC, to your mix.

However, I'd clean up your baddies (lates, CAs, any COs, etc.) before doing anything. You can easily reach the mid to high 700s with only one CC. Something is holding you back.