My file :
- Currently 2 collection one from checking account Capital One $$400 with Alpat Co inc in 01/2010.
- Origin Cap and Collection agency Midland funding ##1467 back in July 2008
- Charge off from Chase for $1600 back in 2008 also.
- Cap Planti $500 on Sep 2011 paid on time utili 2%
- Orchard Bank $300 Oct 2011 On time utili 10%
- Credit one $400 June 2012 on time utili 25% ( may stop using this card because they charge daily interest purchase charge which is $5 for 200 billing statement ) they crazy but wth i just wanna build my credit.
My current June 2012 Equif :622 Expe: 639 and Trans :645 ( improve almost 40 to 50 points after a good clean up for my credit report.) were (Equi: 562 Exp: 576 Trans :601 in Oct 2011)
About 10 Inquiries for the last 2 years.
Anyway i just want some of your expert advice on something on my file and my credit improve :
1. I want to establish a high credit limit like 4 or 5000.What should i do ? Should i get another credit card that a better change for credit increase because i know with those card i had right now, they deadly gonna give you some increase or stuff like that.
2. I try to get a mortgage maybe sometime the end of 2012. Any advice what i should do or anything like that very appreciate. I would try to improve my score good enough for a best qualify loans as possible. It's gonna be my first time home buyers .Good bank or good interest rate or any tips gonna be very helpful. Thank guys.