There is no pat answer to your question. The more distance you put between the present and your last delinquency the greater your credit score. This assumes you have been able to re-establish some credit lines and have paid them as agreed. If you've not gotten any new credit lines, you need to put your efforst into that first. You can do that by opening some small revolving accounts and installment accounts. If you're not able to do that because of your credit history, start by opening some secured credit lines such as a secured charge card or take a loan out at your bank or credit union by pedging an asset (CD, free & clear auto, etc.). If you've got someone who will co-sign with you, you can try that as well. You might also want to connect with a credit counseling company but be wary of any that charge an upfront fee. I've heard that Veracitycredit.com is one that does not charge an upfront fee. They bill monthly based on the level of service you subscribe to. You might also try contacting a mortgage broker in your area and pay them to pull your scores to see where you are starting from. Good luck!
Normally, a fence is built with both neighbors involved (not only in choosing the material, but also in the cost of the construction. If your neighbor refuses to work with you make sure the fence is on your property, and build it according to your tastes.... more