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Quickest way to raise credit score
I'm trying to figure out the best/quickest way to raise my credit score. I had a 631 score and had three credit cards I was making in time payments. About 4 months ago I was issued a new debit card and I forgot to switch over my auto pay to my new card. As a result I now have 4 months of missed payments for 3 cards(total of 12). Which lowered my score to 490. I'm trying to buy a bigger house in the next year and I need to raise my credit score at least 100 points within that time. What is the best way to do that?

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