I have raised my score from a 512 to a 725 in the last 6 months by cleaning up my report to 0 negative and opening a credit builder account and several store cards and cash cards. I now have $19,800 in available credit and have 1% utilization. Hoping to buy a house next year. I have done a lot of homework to get where I am. Don't believe everything you hear and don't apply for cards that the free credit report companies say you have a good chance of getting, remember they get paid every time you apply through there web sites. Several credit card companies will let you pre qualifiy on there web sites
