Rebuilding credit: A Journey Toward 720

[Marcus Geiser]

What else can I do to improve credit?

I let my credit slip slide away. I am now scoring 630 with a repo for a truck on my credit. Here is what I am doing:

I have monitoring set up.

Got a BOA secured card. Which led me to 2 additional cards unsecured. I now have 3 cards with a total of $1000.00 in available credit. On one card I paid a $75 dollar yearly fee. These 3 cards improved my score to 630. 

I have been offered loans at 21.9%, 24.9%. and get this 34.9% LOL. I feel like taking one would be stupid, hence the stupid tax. I am gathering information because from what I understand I need a better "mix" of types of open accounts. I just know paying that interest rate ridiculous. I don't see how I get there from here without one? 

I am also being careful to follow best practices in every area of managing my currently bad credit. 

Any advice on Stupid tax reduction strategies to improve credit?