Looking to buy a home in 6 months

Looking to buy a home in 6 monthsLooking to buy a home in 6 months
Terrylen asked 4 years ago

Hi guys

 

New to the forum and looking for some help on getting my credit score at 700+.

 

Came across this place probably a little bit late, considering that already made some moves in the past month, that might not have been the best ones.

 

I’ll give you an idea of where things are at this point.

 

credit karma score

 

transunion at 697

equifax at 688

 

myFico score as of right now (not sure of what it was in the past)

 

Equifax Fico 8 – 632 | Fico 5 – 634

Transunion Fico 8 – 641 | Fico 4 – 650

Experian Fico 8 – 629  | Fico 2 – 621

 

Old credit cards

 

2012 Credit One $ 800

2012 Capital one $ 1200

2011 Secured US bank credit card $ 500 (not much use there)

 

closed Old navy – good payments

closed Victoria secret – some late payments (some stupid mistake)

closed secured capital one credit card

Negative

 

2009 Bank of America credit card that was defaulted in that period

 

Picked up by Midland and paid off the collection.

 

denied for chase freedom and a amex from costco

 

fair number of hard inquiries from the auto finance loan as well

 

No opened collections at this point

 

Cards added this past month

 

Capital one Quicksilver $ 2000

Capital one Venture $ 5000

Amex Delta $ 1400

Us bank business Plex Travel $ 3000

 

A business credit line that should be confirmed in the next day or so

 

Financed auto for $ 51k

 

I can keep most balances at close to 0, but would like to use them for daily purchases for the rewards. Can pay them anytime.

 

Also got a membership with lexington law to remove some accounts.

 

Can pay on the auto finance more out from the balance 20 – 30k.

 

How do you guys advice me to take it from here?

 

I understand I might have messed up by adding too many accounts recently

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