Hi, r/PersonalFinance. I'm BadCreditBurner. You can call me bro.
I've got a 578 TransUnion and a 572 equifax, probably around the same Experian. (This is based on Credit Karma).
I've got 4 Collection accounts (with dates following from origination of collection)
$3618 (8/2014)
$1002 (10/2013)
$308 (2/2017)
$210 (8/2013)
I've got 1 secured credit card account, with a $200 limit, that I do not carry a balance on, use it for gas and pay it off 100% monthly. (Have had it open 1.5 months)
I'm 28, have had 10 years on the bureaus, starting with 2 Joint Auto Loans, 1 perfect 1 not so perfect, both closed for 4+ years.
My goal is to buy a house ASAP, as stated in the title I make roughly $55,000 per year.
I file single 0.
I spend about $1500 per month on food, fuel, cigarettes (I know, terrible habit, waste of money), car insurance, a small "fun budget", and cell phone, netflix, amazon, coffees, etc
No car payment, no rent (Thanks Mom & Dad!). What is my best route to good credit and a mortgage??
Help! Will be here all day to answer questions so please, ask away if you need more detail.
Submitted September 23, 2017 at 09:56AM by BadCreditBurnerAccou http://ift.tt/2wI2Anx
