<prompt> Human: My credit score is sitting at a 552 according to CreditKarma. I have 2 hard inquiries. One is dated from March 17, 2016. The other is from January 11, 2016. I have one deliquent account from Verizon dated from 2015. Besides the information provided, I have no other credit history. No car loans, never had a credit card, or any other type of debt really. I need information on the best way to boost my credit score to get approved for a home loan. I am hoping to apply as soon as possible. Thanks!  <response>: Hard inquiries are not your problem. This is: I have one deliquent account from Verizon dated from 2015.PAY IT. See if you can get a pay for delete.Then you can start over with a secured credit card that you use responsibly. 