moving4ward

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About moving4ward

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  1. That makes sense. It turns out the negatives with the credit union opened in 2013 but didn't go negative until 2015, so I still have 2 more years on those.
  2. Thanks for the feedback. I contacted the negatives and was able to get one deleted. The other 2 refused to delete but I paid them off so they should show $0 balance. I'm curious about your advice to not take out new credit.... I've heard that I should take out a credit card and an installment loan to start building more positive credit history. Why do you think I should not?
  3. Has nobody replied because I"m missing info or something?
  4. Hello, thanks in advance for your help! I'm trying to improve my credit so I can qualify for the best mortgage rate possible. I'll be a first-time homebuyer. I have downpayment saved, but I know my credit isn't the best. I have a few negative items and a few positive. I'm hoping to get advice on how to strengthen my credit profile, as well as what strategy to take to deal with the negatives. My scores are 643, 651 and 679. Negative Items: - I have an account with Progressive Mgmt for $1108 opened 8/2016. I think this is a collections agency for a medical bill from 2016.