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My credit score is 490 and I want to buy a house.
I graduated college in Dec 2010. I have 20k in student loans in which I am 6 months behind. I also have 5k debt in collections from credit cards when I was 18. I want to buy a house & I would be the primary person on the mortgage. I need help in raising my credit score fast. My credit score is 490. YIKES!!! Please help me.
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rnegrete
4 months ago
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unfortunately your score can't rise fast it can only fall fast.....you will have to wait a year and thats only IF you take steps to correct it now....ie: secured credit cards...a bank loan possible but i doubt they'll give you one unless its cashed secured...to be quite honest your in no position to apply for a mortgage for a year and thats if you took aggresive action your best best is to wait to years and try paying off and getting your debt up to date ie: those 6 months of student loans...best of luck
jrhenry11 4 months ago