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Posted in Mortgage
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Jamesg169

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0 People Helped
Need to raise up credit score
Buying a new house in three months

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There is no quick fix

Helpful to 1 out of 1 people

you don't give any info about your situation so there is no way to tell you what you need to do.

Reality is that credit history is just that, A history of how you have handled your credit over the last 7 years.  To try and raise a score in a few months is hard to do in any situation, because it often takes 90 days for information on the actions you take today to be reported threw the system and actually make it to your credit report. 

heres a quick example: 

Get a new credit card acceptance today.  Get the new card in a week.  make a couple of purchases.  30 days CCco reports new card to CRA.  you get first bill.  Day 51 first payment due. day 60 CRA reports new balance on card. you get 2nd bill & make payment.   Day 81  CRA reports payment on first bill.   There you go,  90 days later you have 1 good payment reported on your CR, But thats not going to make your credit jump 50 points.  

Good credit takes little more than understanding how it works and a little discipline.  a few hours a month checking your accounts and planning your spending and you're in control.  

Good luck

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