Advice on how to get my credit report better

I have been reading your blog recently and wanted some (non-legal) advice on how to get my credit report better. I have some old judgements from 2002-2003 and several medical collections (some duplicates) that are showing up. I have been paying cash instead of using my credit for several years now but would like to get back in the "game" asap. I do not want to file a bk to erase all this stuff considering the 7 year mark is approaching next year on the judgements. Can you make any suggestions on what I should do to get my scores and history strongly established asap.I plan on buying a car in a few months and a home in the next year/18 months, what can I do now to getthe ball rolling??
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Dispute the Duplicates http://www.oskie.com/credit-dispute.htm
Of course use your credit card that reports to a bureau or bureaus you can not file bankruptcy on past juudgments anyway....... you will want to have 3 lines of credit so if you can try to open more gas cards. credit cards
use them sparingly and pay them of each month
send in a downpayment to make sure you get approved
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So basically... Dispute the Derog Duplicates and open a handful of secured credit cards??
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Yes
one point would be to try and get one of those cards to raise your credit limit as much as possible some times lenders will turn you down if you do not have a STRONG history.
This can happen even i your credit score shows a 720+. Which sometimes it will and you will only have 2 lines of credit with a 500 and 300 high credit limit. Think about it. Why would someone lend 75000 dollars to a consumer who only has a high credit limit of 500.
They will call your credit file thin.
So try anything possible to get your credit limit on at least one line of credit as HIGH as possible.
This shows stability. Dispute the derogatory and hope for the best. If they have already been paid the chances are no very good that a creditor will take it off voluntarily
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Cool.. good point regarding the THIN credit profiile! I can only afford a couple of hundred dollars per secured card that I open, so I see the issues. How about adding myself as an Authorized User to beef up the history???
I know fico has made scoring adjustments but will doing so help out.
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They have deleted that aspect
but
it can never hurt to try
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Whoa.. I thought they just stopped scoring for it!
I will try to get a legitimate high score on my ownbut credit depth is what I am looking for with Auth. User.
am I wrong with this thinking?
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supposedly you are but try anyway
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