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b2009j

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How to rebuild my credit?
I started back June 2012 with a CS of 515 I either paid or dispute the collections to have them taken care of. I have one installment loan with a balance of 11900 that is reported on time every month, one revolving loan balance of 1659 was 60+ past due in June was caught up in June and has been paid on time every month since. I opened a capital one secured credit card in July with a $200 CL and have just opened a OldNavy Credit card 11/1 with a $200 CL. My credit score in now 558. I am looking on how to continue to grow my credit score. I pay my credit card off every month and and charge 30.00 to show a balance when they report to the credit bureau. Should I let them report a zero balance every month and just show my payment. Need to know what to do.

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