Long story short

-2021: Had a good job (*705)

-2022: Lost my good job, lived off unemployment and my credit cards (5/17/22 *740, 10/14/22 *637)

-2023 Q1: Had one cc closed and my car repossessed (*524)

-2023 Q3: Paid off all my CC debt and built up savings (*642)

-2024 Q2: Got a used car at 8% interest from Navy Fed CU (*666)

-2024 Q3: sitting below 5% CC utilization, Navy Fed auto payments are on time (*672)

A repo auto loan is a charge-off with a balance of $22,308 (I haven’t received a 1099). The balance on the repo is what I owe after the car was resold at auction.

• Chase bank cc has been paid off since Q3 2023 but still shows 90 days past due on credit report

• Amex card closed and paid off as of Q1 2021, but shows “Pays account as agreed” on Equifax and TransUnion but “Paid account/ was delinquent 60 days past due date.”

*All scores are the highest data points averaged out between the three credit bureaus

How can I clean up my credit report and boost my scores? I plan on applying for the Bilt CC to pay my rent and earn points, but I'm still deciding. Please leave me your advice; I really appreciate it.