ood luck with everything. I had a response regarding rebuilding your credit. Here are a few tips that have helped with clients we have helped (And even myself).
1. Now that you are in a better financial position, make sure not to miss ANY payments.
2. Contact past creditors and negotiate a repayment plan/pay off for any past debt.
3. STOP APPLYING FOR CREDIT!!! If you are getting denied, continuous applying is only hurting you. Not only the score but the history of inquiries. And store cards are not always the best ones to get.
4. Google "Best secured credit cards". The one I found with the best (lowest) annual fee is Capital one. By starting off with a SECURED Card, it is almost guaranteed acceptance. Make sure you only use 30% or less of your available balance. (For instance, if you deposit $500 into the account, never use more than $150, and pay it in full every month.
These are legitimate ways to help rebuild your credit. As long as there is not a lot of negative items currently on it (Recent collections or lates) you should start seeing your score increase in 2-3 months. Im seeing some scores going up thru credit monitoring 10-20 points a month.
Credit Karma and credit sesame are 2 FREE credit monitoring systems that will help watch what is going on. They only do trans union and experian though... Im not aware of one for equifax.
> http://valoanguidelines.org/credit-score-requirements/... more