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Grannytaz

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How can I raise my credit score 100 points in 6 months?
Trying to purchase a home within the next year.

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It also depends on what is on your credit report right now.  Do you have any collection accounts?  Any outstanding past due balances?  You cannot get a mortgage if you have any unpaid collections, no matter how good your score is.  Go to www.annualcredit report.com and pull a complete credit report.  Take it to your potential mortgage lender and ask them what you need to do to qualify for a mortgage.  Don't let them pull a report, that will be a hit against your credit.  Just tell them you're looking for advice.  Mortgage lenders have specific things they look at, not just scores.  Also, check out www.naca.com; great program for homebuyers with low income; no down payment needed, credit scores don't matter 4% interest.  You may qualify sooner than you think!

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