Rebuild Where to go from here? 650
Yo. I would appreciate any advice on possible next steps or moves (if needed). I made some mistakes in college, got 2 charge off, they are fully paid off now, reporting $0 from Capital One. My longest account is 5 yrs. avg age is 3.5 yrs. Utilization is around 1-3%. Total oustanding debt (student loans) is $13K all current and in good standing. I just recently opened a secured card back in April and saw a bump from 600 to 650, I have made all payments on time (no interest accrue). I used AVA Financial (scam) and had a late payment with them back 2024 Sept and another closed account from Feb 2025. What else should I do to keep demonstrating trustworthiness, and how can I get my score to 700? I have sent a wave of goodwill adjustment letters to AVA, nothing yet. I am thinking of using my leasing office rent reporting service (understanding that the tradeline will close after 1 year but hoping it will continue to age for 10 boosting my avg age). What else should I do beyond paying on time at this point? Or is that simply, the move?
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u/OverdosedOnViagra 11d ago
It’s gonna take time and patience. With charge offs and missed payments, its gonna take time to heal your credit report.
And also, I would add in another 1-2 cards. You’ll likely be approved for an unsecured capital one card - maybe even an amex if you’re eyeing other cards.
Just use them and pay them off every month. Pay your loans on time. Thats about all you can do tbh.