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no debt, bills on time......still low credit score... help!!!
our credit score went from 780 to 495 due to late payments when the housing market crashed. The past two years we have paid all all our debt except our mortgage and one cc (2700.00 balance on 3600 limit) the credit card company closed our account, we have made our payment on time the past 12 months and not inccured any more debt. How can I get my score up to atleast 620? We have been looking for a car and our current score is 584. Is the inquiries hurting us even though we are doing them all in a two week time frame?

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