My name is Paul for creditnet purposes I read the sticky about newbies so let me go ahead and start by saying I'm an idiot for not looking at my credit sooner and I KNOW NOTHING! Teach me wise credit gurus... I just graduated from college and I'm under a huge pile of debt and in addition my credit score is poor according to the annual credit report. I will go ahead and post my current status as given by my latest report. Please forgive me if this isn't the right place to post. It appears to be as I see other intro posts here. If not I apologize. This is a summary of what I got from Transunion: Adverse Accounts: Bank of America: 0 balance Paid or paid as agreed status. Date updated 10/2008 REMARK says account closed by credit grantor. 30 DAYS LATE 2 times 60 DAYS LATE 1 time 90 days late 2 times. Past due 0.00 Capital one: Balance 1305 Limit 1500 Date opened 12/06 Only 1 late payment only since account was opened. I'm not sure why this is considered adverse but it is. Pay status paid or paying as agreed WFNNB Balance 0. Date updated 09/2004 Loan type Charge account high balance 131.00 Past due 0.00 Pay status: paying as agreed. I closed this account in 2004. Satisfactory accounts Chase student loan: 5,800 Paying as agreed. Currently deferred. Citibank balance 2,170 limit 7,900 paying as agreed opened in 2000 Student Loan Balance 19215.00 not yet in repayment unrated Student Loan Balance 13,000 not yet in repayment unrated Student Loan Balance 8,000 not yet in repayment unrated Student Loan Balance 4,000 Payment deferred opened 2003 updated 6/2010 WFNNB Charge account balance 0 limit 200. Closed by consumer paid as agreed. My credit is listed as poor. My score reported by Transunion's Zendough that I signed up for to get a score, and will cancel was 682. According to Credit Karma its 619. Where should I start in trying to raise my score? I would like to buy a house eventually, but I am rejected from almost any credit application for even a card.