Jun
28
How can I up my credit score 10 points – FAST?
By
Im trying to get a mortgage, and FHA loan and my credit score is on 570. I need a 580 score to qualify. I have opened to credit cards and have been paying them on time, they have helped my score a lot.Should I get a 3rd card? What else can I do, I need those 10 points fast. PLEASE HELP!!
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8 Comments
June 30th, 2010 at 2:59 pm
No fast way to do it… pay your loans on time and you will get your credit up.
July 4th, 2010 at 12:35 am
Get a copy of your credit report from transunion. Look for the negatives, and dispute them. Good luck.
July 6th, 2010 at 8:07 am
Take out a small cash loan. Somewhere in the neighborhood of $1,000.
Don’t spend the money, and use that thousand to pay back the thousand and use your own money to pay the interest.
July 8th, 2010 at 5:06 pm
just pay your bills. Jeez, not that hard to figure out how to get better credit. you just have to pay when they ask you.
July 11th, 2010 at 6:57 pm
No, you don’t keep getting credit cards. If your cards are paid off you could close the extra one. You want a good debt to credit ratio, but you also don’t want too much credit out there.
The next thing you can do is go through your credit report and look for anything that doesn’t look right. Then challenge it. Credit scores do not change overnight if that is what you are looking for. Do not use your credit cards at all for the couple of weeks before your application.
July 12th, 2010 at 8:01 am
there is a reason your score is 570. There may be open collections that if paid will do it in 24 hours. Just get proof and submit it to your loan officer and have him or her get you re scored
I do this all the time for clients
July 12th, 2010 at 9:12 am
Here is a 9 page primer written by a loan officer, Boost your credit score and get the house you want:
How to dispute credit report errors:
Good Luck!! ~ Suzi
July 12th, 2010 at 8:05 pm
?redit repair work?d fine for me. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com