Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
jbrads12

1 Contribution
4 People Helped
How can I raise my credit score when I plan to possibly buy a house within the next 7-10 months?
My score is 670 now.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
553 Contributions
250 People Helped

Actually, if you can do a VA or FHA loan, 670 is a good score (most lenders require 620 as a minimum for standard homes, and 640 for pre-manufactured homes). For conventional (read: Bank or Credit Union) loans, you're going to want 750 or better (though I think 725 is doable with a large enough down payment.) 
--

I'd look at your credit factors (Go back to "My Overview", then see the menu, left-hand side) and work on those, which would help.

Top Contributor
7816 Contributions
1507 People Helped

You are forgetting the most important thing here. The OP is probably giving his/her Vantage score, but mortgage lenders use FICO scores. So the score the OP provided is completely irrelevant.

Top Contributor

Reply by
Random789644

553 Contributions
250 People Helped

I understand, but they're usually not that far off, and the difference is most likely small enough that the FICO will put him above 640 easily enough.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.