tdbaptis

Another good way to raise your score quickly is to look at your debt to income ratio.  Can you lower your debt raito to less than 25% of your income?  That can boost your credit score immensely within one to six months.  Also, if you need to build more credit, I'd strongly suggest opening up secured credit cards.  Wait about six months to a year and they will help build your credit as well.  In the end, the quickest way to raise your credit score is to pay off or pay down debt.     A good down payment of 10 to 20% will help improve your odds of approval as well.  You might have to pay a higher interest rate, but you can alway refinance later.