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Hi folks - You saved me last time with some good advice around dealing with debt collectors. Now, I am back seeking advice on rebuilding my credit - namely because I need a home loan in a relatively expensive area and my current score does not qualify me for anything reasonable. The report they pulled and compiled is attached. The loan company says they've simulated the scores out till Dec 2017 but they do not budge (refer to attachement). I am surprised because, I have relatively little recent debt and most of the other stuff is about to fall off anyways (eg, discover, rent recover, ga power, etc.). What, if anything can I do to nudge this score higher - credit cards, secured lines of credit, removal of recent activity, anything! I've been foolish in the past (helping others without being cautious) and been bitten by medical bills more recently. But I need to get my credit and my life together. Ask me if you need more information. Thanks folks. CReport_for_home_loan.pdf