I need solid advice!!! Straight no chaser!!!! Help a young VET out!!

QuestionsI need solid advice!!! Straight no chaser!!!! Help a young VET out!!
Margarita Winters asked 5 years ago

Of course, this is the typical story of once being young and not taking my finances and credit serious. However, it’s never late to clear up past mistakes, even if it takes a while. Within the last few months I’ve been adamant about fixing my credit once and for all and I have made some progress. Now that I reached my short term goal of getting all my Fico’s above 600. I definitely want keep the momentum going. My next goal is to get my scores to 640 or higher in hopes to attain a VA home loan by the end of 2017. I’d appreciate straight forward advice on what would benefit my credit situation.

 

Total Credit Check-Fico 8 Scores

March 2016 EX 577 TU 575 EQ 567

April 2016    EX 598 TU 577 EQ 581

May 2016    EX 599 TU 617 EQ 593

June 2016   EX 612 (+35) TU 625 (+50) EQ 600 (+33)

 

What I’ve done from March to June was pay off a few collection accounts with small balances and got 3 collections deleted. Also, I was approved for a Capital 1 secured card in April with a $ 200 limit. all off my collections accounts fall off in 2018-2022

 

Below I listed my credit accounts and their statuses.

 

My only accounts open on my credit profile- their all paid as agreed no lates

Cap 1 secured card $ 200 limit / 0 BAL

Dept of education $ 7,500 differed

Dept of education $ 5,000 differed

*Should I get another card? kinda scared to apply and be rejeted Smiley Sad

 

 

AES/WELLS FARGO (charge off 0 balance not reporting)

Status

Closed

Balance

$ 0

Type

Installment Loan

Payment Status

Unknown

 

BK OF AMER (Charge off and reporting)

Status

Closed

Balance

$ 4,761

Type

Credit Card

Payment Status

Late

 

CAP1/SONY (good closed)

Status

Closed

Balance

$ 0

Type

Retail Card

Payment Status

Paid

 

CAPITAL ONE BANK USA N (good)

Status

Open

Balance

$ 0

Type

Credit Card

Payment Status

Paid

 

CO OP ADJUSTMENT BUR (collection)

Status

Closed

Balance

$ 0

Type

Collection

Payment Status

Paid

 

CREDIT BUREAU ASSOCIAT (collection)

Status

Closed

Balance

$ 0

Type

Collection

Payment Status

Paid

 

DEPT OF EDUCATION/NELN (good defered)

Status

Open

Balance

$ 7,566

Type

Installment Loan

Payment Status

Paid

 

DEPT OF EDUCATION/NELN (good defered)

Status

Open

Balance

$ 5,500

Type

Installment Loan

Payment Status

Paid

 

DEPT OF VETERANS AFFAI (collection)

Status

Closed

Balance

$ 0

Type

Unknown

Payment Status

Paid

 

FAIR COLLECTIONS & OUT (collection with balance from apt lease not reporting)

Status

Closed

Balance

$ 1,681

Type

Collection

Payment Status

Late

 

JPM CHASE (charge off paid)

Status

Closed

Balance

$ 0

Type

Installment Loan

Payment Status

Paid

 

MILITARY STAR (charge off not reporting)

Status

Closed

Balance

$ 0

Type

Unknown

Payment Status

Unknown

 

PACIFIC OAKS FED CR UN (good)

Status

Closed

Balance

$ 0

Type

Installment Loan

Payment Status

Paid

 

USAA SAVINGS BANK (charge off with balance reporting)

Status

Closed

Balance

$ 545

Type

Credit Card

Payment Status

Late

 

WELLS FARGO (charge off paid)

Status

Closed

Balance

$ 0

Type

Installment Loan

Payment Status

Paid

 

WF CRD SVC (charge off)

Status

Closed

Balance

$ 0

Type

Credit Card

Payment Status

Late

 

WFDS (collection from car loan reporting)

Status

Closed

Balance

$ 13,422

Type

Installment Loan

Payment Status

Late

 

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