How does one go about fixing their credit history? Mine is at 560 :(
I left the states a couple of years ago, and am planning to return in a year. Now I am worried that I will have trouble getting a place to rent or even a phone connection.
I was working on a startup when I was in the states, so ended up having a couple of delinquencies. Small amounts: not retuning my Sprint iPhone which was on lease, had 6 months left and not returning my comcast set top box (I know I know). I maxed out 2 credit cards albeit only around 2000 total. I didn’t get my first credit card until I graduated college and was an international student. So I had limited credit history. I paid those back before I left.
I just looked at credit karma and the only delinquency I have on file is that for Comcast, 116$ from a collection agency. The sprint one doesn’t seem to be there anymore.
Any tips would be greatly appreciated
Other delinquencies / collections may not show up because may be reported to different bureau. Should check all 3 they have different levels of geographic coverage (Experian biggest on west coast, and not included in CK) since you don't know what a potential landlord will check. Best bet is to pay for Experian report too. You can dispute through the bureaus directly - best bet since they will check collections agency's documentation - or through CK for other 2 bureaus.