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I need some advice on boosting my credit score.
I make payments on time but I think my problem is that everything I own is paid for. I have no outstanding debt. I need help!!! I want to apply for a home construction loan in the next year or so but I need a much higher score to do so. My current score is 650's and I'd like to increase it by 100 points or so. I see where people claim that they boosted theirs 100 points in 5/6 months but I didn't think that was possible that fast. Is it? I have one secured CC and a thats it. Truck is paid for back in 2008. Besides my utilities, insurance, rent and cell phone bill that's it. I do have 6 closed accounts that I was delinquent on in the past. Any way to make those disappear other than waiting 7 years? Advice please!?!? Thanks for reading.

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