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Hello Everyone,
I need some advice I am trying to get into buying and rehabbing homes and i have to have a Equifax credit score of 625 to get the loan i need to do it, right now my score is 600 at Equifax what can i do to make this happen soon. I have been working on my credit and have improved my scores on all three bureaus. when i started i had low scores in the 400 and now i am in the high 500 low 600. Please respond soon and thanks.
Hi there, if its not a secret how did you manage to increase your scores from 400s to 600s? Im also trying to build my credit right now
Credit
i would like to 'get in on this secret' as well. LOL My Credit score IS coming up, a bit. Just taking care of things, one item at a time.
It is definitely regular payments of your bills and positive management of all the finance accounts that help you climb the ladder. In the mean time keep in mind that no accounts should be opened. Do not apply for credit for the time being. That will trigger credit pulls and eventually credit score reduction.
Utilize existing credit if need be.
Really no secret first i keep my credit utilization down to 10 to 20 percent, I have 3 credit cards one which i have had one of the 3 for 6 years, and i had one or 2 collection fall off when disputing.
Scores in the 600s is a huge accomplishment Sugar5. Credit utilisation at 10% to 20% is a very good way to improve on the score. How long did it take you to improve your scores?
CR
I DID forget, if you apply for credit (and as 'inquiries come in), your credit score can drop. Well......I'm just taking things little by little.
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