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Need Help!!!
Hello I am 28 years old and i will be buying my first house in the next 8 months i hope. I have been working on my credit for the last 4 months by opening an installment loan,credit card,merchant card. All of these accounts have been paid each month and in good standing. I have some collections on my credit that i was unable to get removed. I have been looking into tradeline credit accounts but it will cost me some money to get them added. That's no big deal if it will work. If not should i just pay off all the collections first. What would be the best move for me. Again i know either way will cost money and that's no big deal but i need to do whats best for me short time to get my scores back up there. Here are my scores as of now.
WHAT SHOULD I DO? PLEASE! IM LOST AND WANT TO MAKE THE RIGHT CHOICE!
Trans Union Experian Equifax
547 603 514
Here is a breakdown of my report!
TransUnion Experian Equifax
Total Accounts 23 13 23
Open Accounts 15 3 4
Closed Accounts 8 10 19
Delinquent 1 0 0
Derogatory 16 8 15
Balances $4412.00 $2197.00 $4527.00
Payments $25.00 $111.00 $111.00
Public Records 1 1 1
Inquiries(2years) 12 4 15
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