Pay off your $4k debt immediately. Make sure you have at least 1 cc open that is paid off in full each month, prior to the due date. This will slowly bring your credit score up and build good history. The best thing you have going is that you have the time to wait. You will easily be able to get excellent credit in the next 5 years. With this said, you MUST pay your bills on time, every time. Any missed payment will lower your score. Also, if you do have delinquent accounts that are still on your report, they will most likely fall off due to your state’s statute of limitations, usually 6 years for a written contract.

Opening new joing accounts will not help you any more than opening up an account in only your name. The only way it could help is if you did “piggy back” on your wife’s credit by putting your name on the account. If this is done select the longest account that’s been open, that has ZERO missed payments or late payments.

There are numerous ways of improving your scores. You can get some valuable info from and/or you can e-mail a national consultant (Lonnie Burgen) at let him know David B referred you. You can also check out his site at I am also a builder and full licensed broker and Mtg consultant so would be glad to help at no cost to you just e-mail me at Good Luck…

The best way is to show you pay off credit cards timely and quickly. If you don’t have one, get one and use it for somethig like gas each month and pay it off completely.

Here is the answer:

Piggyback your wifes credit!

Dont know what that means?

Read this page!

The site is called expert credit advice and it is really interesting!

See link below. It’s an article from MSNBC on how to improve your credit. Good luck

there are many ways to do that
first pay that 4k
try not to have more then 5-6 credit cards
if u r cancelling any credit card dont cancel the oldest one….older the card better the credit history
make sure u never miss a payment
if u have more credit cards…make sure u r not using any of them for more then 60% of limit….less is better

Get some credit cards in your own name and make sure you pay them back on time. Take out a small loan and do the same. Keep working.

Cancelling any extra credit cards you have can help. While it’s good to have credit, a lot of times too many credit accounts can be seen as too much potential debt you could have.