@shondamartin_: Basic Credit Profile Recommendation: 👉🏾 4 OPEN primary accounts 👉🏾 2 Credit Cards 👉🏾 Credit Card utilization between 1-10% 👉🏾 1 Short term installment 👉🏾 1 Long term installment Easy, fool proof credit profile that WILL aid to an increase in your score, borrow worthiness AND set up for growth. Even if you have collections, charge offs etc YOU STILL NEED THIS SET UP! This directly correlates to how FICO pts are distributed, this will aid in continuous growth (if your responsible and not getting late payments etc). You have to be consistent & do not expect an overnight change. Credit scores gradually increase.