Everyone's credit situation is unique, and suggestions for one person may not fit another's particular scenario. That being said, here are a few quick tips to start getting your credit on track:
- Make sure to keep all credit card balances under a third of the limit
- Keep a small ($5-$10) balance on your cards, as opposed to paying them in full each month
- Do not allow anyone to checkyour credit, if possible
- Ideally, you want at least 2-3 revolving (credit card) accounts and 1-2 installment loans (cars, mortgages, students loans, etc.) in order the give you a good 'credit mix'
Also, CreditKarma.com is a good website to get your scores for free and keep an eye on your credit. (I don't own it or anything, just use it myself)
Lastly, Lexington Law (again, I have no affiliation with this company) has done a tremendous job getting negative items removed off of some of my clients' credit reports.
I hope that helps. Feel free to reach out if you'd like to chat more in detail. Best of luck with the move and kudos to you for making the great decision to toss the snow shovels for good :-)
PS There are also a few new NON-PRIME mortgage programs out there now, for people with previous bankruptcies, short sales or foreclosures. Some of them even allow you to buy the very next day after short sale!