<prompt> Human: I am 5 years out from a foreclosure. I have one open deragotry mark on my credit report a 547 medical bill from 2010. I currently rent. I make a good salary 100K. I have 10k in savings. I have one open credit card with a 500 limit. The biggest thing seems to be my credit history...the foreclosure and late payments on other things while trying to save the house. What is my best course of action to raise my fico scores?  <response>: Wait it out until those things fall off your record. 