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raising credit score to 640 in 6 months.
my credit score has been sitting at 574 seems like forever. i paid off 2 out of 3 collections. i owe $100 on the last one. my car will be paid off in march 2014. i was out of work and got $1029 behind they want to exend me out to july, but i want to catch up those payments before march. I think this approach is hurting my credit score. one of the collection came off my report but brought it down from 604 to 574 again. i only have a secured credit card. had it about 9 months now with $1000 on it. how will this help my score and when will the bank offer me an unsecured one. need help want to get my score up to 640 to qualify for buying a home. Help


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