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vietnamvet2010

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what should i do from here
how do I improve my credit faster ?

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Top Contributor
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Since we can't see what your accounts are, I'll give you the needed suggestions.

First, go to annualcreditreport.com and get copies of all 3 credit reports.  Look them over very carefully and file disputes on all WRONG information with the credit bureau reporting them.  They have to investigate and either verify or delete the disputed items.

The best way to improve credit is to make sure all bills are paid on time and in the correct amounts.  The ideal usage for credit cards is 20% or less of the total credit limit and strive to pay the "Total Amount Due when the bill comes in.  This does not mean keep track of every cent you charge every month and send that amount in as your payment.  Surprisingly, doing that would actually HURT your credit score.  You only have to pay interest if, say the Total Amount Due was $100 and you sent in $99.  That $1 would be subject to interest charges when the next bill arrived.

I can address specifics later on as needed and will keep track of this post. 

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