600 credit score home loans
How can I raise my credit score?
I have been on this up and down rollercoaster with my credit. Just at the beginning of the year my credit score was a little over 600, now it was ran a couple of weeks ago, and now the median score is a little over 550. I dont get it, I am on time with my payments, and I have not applied for any other credit cards or loans. I have signed up for a credit company that professionally disputes items on my credit report. Was that a good move? I also disputed items myself a couple of months ago, and SOME items were removed, but the score had not been updated yet, so how long does it take to update my score number. HELP! We are trying to buy a house in a year, and we will be making a lot of xtra income, is it better to pay off 1 of the 2 cars we have or is it better to save the money for a down payment. Oh another thing, we area single income family as I am a stay at home mom, and I intend to stay that way. So whats the best thing for me to do?
They go by your debt ratio and how you pay the creditors that report to the bureau’s.
Sometimes you have to constantly be on the bureau’s behinds and your creditors, to report accurately.
My own goes up and down 2pts, then jump 10….it also depends on whose pulling the report…..enquiries will also bring the score down …….I don’t allow anyone to pull my credit, no matter how much the beg, plea and lie that it will not hurt “your score”……they lie.
You have a professional credit company “bah humbug” they may be the cause to collect more more and you can do it yourself!
It takes about 6 months to a year to get a higher score, just don’t get any deragotories! and keep your debt on your credit cards less than half and pay them about 2 weeks in advance…………..weird but this is what they look at.
