Dherald wrote:See the thing is I don't really know how to break down my credit report lol. I know this is going to sound like a dumb question but how do I determine how many derogatories I have?
Derogatories are 30/60/90/120 day late payments, charge offs, collections, judgements, tax liens, bankruptcies.
Where did you get the score from? Normally, when you get a less than stellar score, it includes a section that says something like "Factors impacting your score", and lists two to four things that are holding your score back. Some you can fix, like utilization, others, like "time accounts established" you have to wait for.
If you tell us what's on your report, we can tell you what you might be able to do.