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acavanaugh4

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Imprive my credit score 32 points
How can i improve my credit score from 588 to 620. I have a car loan and a store charge card. Both are current and never been late. I pay more than min. on store charge card. I started paying more on my car each month with my car payment. I do have student loans but are in differment while I am in school. I do have old debt on my credit report. Will it hurt me if I pay it off or will paying all that off boost my score? I need to buy a house in the next few months and I can not get approved for a home loan or any credit cards. The store card was just approved in December.

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