How can I Bring up my Credit Score 14 points in 60 Days?

My boyfriend and I just recently visited a mortgage broker to see about buying a home. He told us that in order to get a home, I have to bring my credit score up 14 points. Currently my score is 636, and I have to bring it up to 650 or more. My only debt is my credit card, which I am over the balance on. How can I bring my credit up in 2-3 months? I know obviously to bring it under the limit, but will that be enough? I%26#039;m not sure what to do, and a home is something we really want. Any help would be great!! Thanks.

How can I Bring up my Credit Score 14 points in 60 Days?

Whoever gave bdancer a thumbs down for that answer probably had his/her feelings hurt, but it%26#039;s TRUE. If you are not in a legally binding marriage, you should really think twice about the mortgage.

If you were financing in anticipation of an upcoming wedding, then great. But any financial expert will warn you off of the mortgage until you are married.

You need to get down to about 30% of your credit limit on your credit card (if you can%26#039;t pay it off). That means, if your limit is $2900, that your balance should be no more than $870.

How can I Bring up my Credit Score 14 points in 60 Days?

you need to bring your credit card down to little under half of your credit limit if possible, and that will really make a difference in 60 days. possibly 30 points at most.

How can I Bring up my Credit Score 14 points in 60 Days?

Being over the limit on a card is a huge negative factor....If you can bring this balance back down under the limit and pay it down, you should see a FICO jump much higher than just 14 points...

How can I Bring up my Credit Score 14 points in 60 Days?

First, how will you afford to pay for that mortgage if you can%26#039;t pay off that credit card?

Second, it is a VERY bad idea to buy a home with someone you are not legally married to. Yeah, you love each other, blah, blah, blah. But there%26#039;s one sad tale after another about how you can%26#039;t sell the house because the ex won%26#039;t agree and the ex ain%26#039;t paying the mortgage and your credit is trashed.

Best way to make a big jump in your credit score: pay that credit card off completely. Carrying balances of more than 30% of your available limit, hurts your score. Going over limit, absolutely trashes your score. Pay it all off. Save the interest and fees.

How can I Bring up my Credit Score 14 points in 60 Days?

Pay off all balances. This is probably the fastest way to increase your score.

How can I Bring up my Credit Score 14 points in 60 Days?

The first thing you should do is get your credit reports from all 3 credit reporting agencies. Once you get it try and get any negative items removed. Also you should check the report for any errors. These errors should be corrected. I would recommend you at least bring your score above 700 points. This will be easy to do for you. I was able to increase my score of 576 by 200 points in less than 90 days from the information I found at the resource below. They also have a sample letter to get items corrected on your credit report.

How can I Bring up my Credit Score 14 points in 60 Days?

Hi,

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