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Old 06-17-2008, 02:00 PM   #2 (permalink)
Hedwig
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Join Date: Nov 2004
Location: Greater DC area
Posts: 7,283
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Don't just get the score, and don't work from the trimerge (3-in-1) reports that you get from the internet sites.

Order your reports from each of the bureaus individually. Then go through and see what is wrong with each tradeline. Dispute the incorrect information with the credit bureaus.

The best way to raise your score is to keep your accounts active, keep them paid, and keep your utilization to under 30%. With two years until you want to get a house, you have time to build your history.
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