I need help rebuiling!

I need help rebuiling!I need help rebuiling!
ubattoc asked 4 years ago

I am trying to rebuild my credit after losing my job a few years back.  I am now back on my feet financially but it’s been hard moving past the credit blemishes. I am open to any and all advice to net the best increases. Here’s the run down:

 

Open Accounts

Wells Fargo Secured Card

Current

CL: 2500 

Never Late

Opened 10/2014

 

Santander 

Loan Amt: 15374

Current

Never late

Opened 03/2015

Pmt Amt : 381

 

US Dept Education 

Loan Amt: 25449

Current

Never Late

 

US Dept Education 

Loan Amt: 9750

Current

Never Late

 

Cfnc

Current

Loan amt: 1493

60 days late in April 2015

 

Cfnc

Current

Loan amt: 3712

60 days late in April 2015

 

Cfnc

Current

Loan amt: 2103

60 days late in April 2015

 

Navient (formerly Sallie Mae)

Loan Amt: 1656

Current

Never Late

 

Closed Accouts:

Truliant Federal credit Union 

Auto loan 

Opened 6/2008

Closed 2/2014

Paid, closed was 30 days six times-starting April 2009

 

Collections:

Interstate Collections

Medical

Paid $ 10 Sept 2015

Balance  $ 0

 

Optimum Outcomes

Medical 

Amt: 107

Balance: 107

Opened 6/2015

 

Optimum Outcomes

Medical 

Amt: 729

Balance: 729

Opened: 4/2015

 

Optimum Outcomes

Medical 

Amt: 556

Balance: 556

Opened: 6/2015

 

Resolve Partners:

Apartment Collections

Balance 2010.00

Opened 2/2010

 

Capital One

Opened 6/2012

Charge off

AMT 739

BAL $ 0

Paid September 2015

 

Should I open more cards? I’m at a lost here. Ex Fico is at 600. It won’t really move much. I paid off charge off and I dropped 10 points due to no revolving balances. (I normally pay off wells cc in full each month…) I thought charge off was being factored in utilization and that I would see an increase after payoff, but I didnt. Idk what to do. I need/want like 40 more points for mortgage…where do I start??

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