2 Years to 700 Fico Score

[Alex Rector]

I currently have a 528 Fico Score. In Jul-Aug it was a 630. I paid one of my CCs late (timezone difference / Nov 09) and it obtained a late fee that I was unaware of. I found out literally yesterday when I ordered my credit report. I immediately called them and paid $100 to catch the fee and for this month's bill. Bear in mind this late fee was from November, I paid my December's bill and I didn't know the fee was still present. Below is a break down of my credit score history.

JAN - 528
Dec - 523
Nov 28 - 523
Nov 14 - 603
OCT - 603
SEP - 603
AUG - 603
JUL - 630

Alright since you know where I stand lets pull the statistics out, and make a fair judgment if my goal is feasible.

MY DEBT PROFILE

Real Estate/Other: $0
Installment Debt: $6,664
Revolving Debt: $11,490

+ Credit Available - $1,383
+ % of Credit Available - 9%
Total Credit Limit: $12,575

Total Debt: $18,154
Total Monthly Payment: $802

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NEGATIVE STATUS

Are you currently delinquent on any accounts?
Current Negative Status: You have at least one account listed as 30 Days Late.

Is there negative information on your report?
Accounts Listed Negative: You have 5 Account(s) Listed Negative (at some point you were late or failed to pay as agreed)

Accounts in Collections:
You don't have any accounts in collections.

Most Negative Status:
The worst payment status ever listed on your Credit Report was Failed to Pay.

Public Record:
You have No Public Record(s) listed on your Report.

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YOUR EXPERIAN CREDIT SUMMARY

Oldest Account Age: 5.5 Years
Average Account Age: 3.4 Years

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HARD INQUIRIES

You have 10 HARD INQUIRIES on your Credit Report (last was )

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ACCOUNT TYPES

Real Estate Loans: 0
Installment Loans: 1
Credit Cards: 3
Retail Cards: 1

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So next month I receive the taxes and it'll be approximately $9k. I immediately plan to pay off my car so that I can free up $500 a month (savings, etc) that'll drop it to $3k approximately. I'll use approximately $2k to pay down some of my revolving debt. I'm taking a wild guess here but should I put the full $2k on to the largest or highest debt ratio credit card? 3/4 on it and 1/4 onto another credit card? This is the area that becomes blurry to me.

Also will someone put me in touch with a person that can help me get my credit in order? within 6-12 months I plan to have no debt (hopefully). When I leave Germany in 2 years I want a 700+ credit score so that I can apply for house if needed other than using my VA loan or an Auto loan.

Thanks for the help guys and sorry for such a long post!