I see that a lot of you have been or are in the same situation that I am in. I have only one credit card, with a $100 limit(Providian) and I have a Cap One charge off for $848 on a $500 limit. What would be the best strategy for me? I do not want to lower my scores, 574 was my highest with Experian before disputs, but I need to get all three bureaus at 600 range before I apply for a mortgage. I make plenty of money, around 60 grand a year but I want some respect as far as credit goes. I have two car loans: one since 98, never late and one since 9/00-late 1 time 30 days as well as about 14 thousand in consolidated student loan debt that was in deferrment since 2/01. All of my scores that I pulled were based on not repaying my student loans, but I am out of deferrment 2 months now, so maybe ? Need advice
