Trying to Rebuild and my scores keep tanking!

Question

Hi, I've been working on my credit for a little over a year.  Here's what I have: BankOpenedLimitStatusBalanceHigh Credit CommentsBofA2/13$500current$175$531AllPIF each moCapitalOne3/14$8001x30 10/14$46$439AllSm balance each moDiscover (AU only)3/87$13,6001x30 9/110$12,600TU & EQInactive since 4/13        Collection3/10$260open$260N/AEQ State Tax Lien5/09$4,238Released 2/120N/AAll Judgment3/11$4,983open0N/ATU & EQPIF in 5/13 pend Satisfaction It doesn't look great but it looks better than when I started! My scores were good enough last Summer for me to qualify for an FHA mortgage.  I know the 30-day late iwith CapitalOne n October really hurt me.  I paid BofA twice and didn't figure it out until the next month when it was too late.  I understand this impacting my scores.  I don't understand the stuff below-- Nov--Got an old, paid collection removed.  My scores dropped 4-8 pts depending on the bureau.March--CapitalOne gave me a spontaneous $500 credit limit increase and BofA converted my card to unsecured.  My score dropped 11-29 pts.  The only "bad" thing that happened was that I let both card show a $0 balance.  April--I showed a balance on one of my cards ($22) and all three scores dropped another 8-14 pts due to increased usage.  May--I was able to get all three bureaus to delete four paid tax liens and my scores dropped again.  June--Scores dropped again due to increased usage.  My usage was higher in May and June due to business travel expenses but both cards were paid-off each month so I never carried a balance.   I'm supposed to get the Judgement Satisfaction here soon and I'm scared about how my scores will react!  (only sort of kidding?) For July i should only end up showing a small balance on the CapitalOne card so I'm hoping my scores will increase.  However, since I'm in the low 600's, I know I will still be a long way off from the 640 average needed to qualify for an FHA mortgage which is my goal.   Does anyone have any advice for what i can do to get my scores back up?

Answer 1

The passwords are in the keychain files. Triple-click the line below to select it:
~/Library/Keychains
Right-click or control-click the highlighted line and select
Services ▹ Reveal
from the contextual menu. A Finder window should open with an item selected. The contents of that folder are the keychains.