hardeight

You need to rebuild. The settlements are there to stay. Get a secured credit card. Use it sparingly and always pay it on time. That's the best way.

I believe judgement can be reported so I'm not sure you have a recourse to remove it.

Anything that is on your credit report is used. Utilities are not used for on-time payments. However if you are habitually late you could go into collections which will appears on your report/score.
Basically, only lines on your report can help. Others like utilities and hospital bills can only hurt if you go into collections.

Unless they are inaccurate, you don't. Close items can stay on your report forever. I have some that have been closed for 10+ years on my credit report. They really don't affect anything so there is no reason to worry.

I don't think there are any steadfast rules since the process is fairly new and always open for more and new interpretation.

You are just applying for the wrong ones. Today a 700 is a good score not excellent. Try the Chase Freedom or Capital One. Forget Citi, Discover, or Amex as they tend to be more excellent credit focuses.

Don't constantly apply for things that cause the hard inquiries.

Pay your bills on time. Get current on the late ones. Get a secured credit card. Always pay that on time. Don't over spend.

Its affect will diminish over time. There is no instant increase after a certain point.

You may need a court order to have you removed from the loan if your ex won't cooperate.

Call the the billing department and try to get the collections removed.

Shorts sales fall as "Paid - Not as agreed" on your credit report. They technically can stay on your report for ever but the effects diminish over time. Expect up to 7 years of negativity from it.

Same as everyone else. Get a secured credit card. Never fall behind. Always pay on time. As credit score improves rinse and repeat. The next time try for a non secured credit card. Last never spend more than you afford to pay in full each month.

Goto AnnualCreditReport.com

Go to annualcreditreport.com first. Make sure your assumptions are accurate. If there are unrecognized accounts, call the bureaus and request a fraud alert on your file. Then you may want to file a police report. Lastly you are gonna have to spend some time contacting the lenders and disputing and explaining the situation. Good luck.

What is the score. If 600 or higher try Capital One. Otherwise, get a secured card.

That is a pretty good rate. Is it 30 years fixed? If so, you could get a bit better but the other costs may outstrip the benefit.

You should be fine. The down payment help a lot since that takes the risk down for the lender. Provided you don't want a 60 or 72 month loan, the car shouldn't be underwater at any point meaning there is less risk for the lender.

Don't get things just to boost your credit score. Over time you should acquire more credit accounts naturally. I personally have 8 credit cards, I got them for various reasons and benefits over time. Credit score is 787.

Yes. FHA loans will go as low as 500s but more conventional loans will still do 675. Just remember a conforming loan will do a tri-merge which means all three scores will be used. You are close but another 50 points would help you a lot in terms of rates and lending options.

Get your delinquencies current. Pay your bills on time. Open a secured credit card. Pay it on time.

Open unless there is an annual fee.

Stop trying! Each inquiry (application) will further reduce your score. When you do apply look for credit cards that match your score. Error on the side of cause an apply for cards slightly below your current score if you have limited credit.

Usually little. Fix end loans don't have a meaningful impact on your credit score. As a matter of over time your score may drop some as the positive payment effect of the account diminishes. With that said, if you have the cash, no point paying interest.

With a score that low, chances are you will be declined for virtually every unsecured credit card. Your best bet will be a secured credit card from Public Savings Bank. On your credit report it looks like a regular credit card. The pro is that there is no credit check. The con is that you will need to pay a $200 refundable deposit and an application fee. But those are the costs of have bad credit even if it is not your fault.

Incidentally, if the negative items from the ID theft were removed from your report, your score shouldn't be in the 500s so there should be a bit more to it.