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jmsa731

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High Income, Poor Credit, Would Like Guidance.
First time posting here, but I've seen a lot of people make significant progress with the advice on this site. I make a good amount of money (this is a recent thing), and I'm currently trying to fix my credit. I don't have a ton of credit items. Just a current auto loan, student loan, one credit card, and a few derogatory marks.

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Do what you can to get rid of the negative info on your reports. Do reading on "Pay for Delete Agreements" and "Goodwill Letters". You may want to get another credit card if you currently only have one. Even if it has to be Secured that is fine, but check with Capital One as they are a lenient lender, you may get an unsecured with them, even if your current card is with them you can have more than one account with them. Read as much as you can on credit, that will be more beneficial to you than anything. Pay down and reduce utilization on your current lines of credit. Watch your FICO scores in addition to any other scores that you watch, FICO is what most lenders use. Keep reading about credit, then read some more. Any specific questions along the way, feel free to ask. Remember, credit problems are spending problems, so work on saving money.

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