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eugene0922

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how can I get a score of 529 up to a 720 by april 2013

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That is simply not going to happen. Sorry. Scores can drop very quickly, but they rise only slowly. To get your score to 720, you need years of steady good management of your credit -- no quick fixes.

The only possible exception is if your score is that low because of credit bureau errors or other problems that aren't of your making. After the errors are corrected you could get a rise in score. But if your score is low because of bad debts or other bad behavior, you're going to have to earn your long, slow way to a good score. Sounds tedious, but it's worth it.

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