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tinyty06

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My credit score is currently a 593 if I want to buy a home by July can I have a 620 credit score?

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Raising Credit Score

Well you asked this in March so hopefully you have been on the right track to increase your score. One thing, if you have any collections on your report send each a letter disputing the amount. They have 30 days to respond and if they do not it must be removed from your credit report. Of course paying down any credit cards is a big thing and trying to keep your balance owed 30% or less of your credit line. Basically you need a small debt ratio compared to all the credit you have available. Also be aware that when ever you apply for a loan or credit those looks into your credit report can drop you some points in score. But some things like searching for a Mortgage or auto loan may not be as harmful. God Luck to you!

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The Lenders Network

Have you tried The Lenders Network? I'm a realtor and they have helped several clients of mine get approved who had low credit scores.

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