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Posted in Mortgage
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SHG33

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Trying to get a mortgage
At a 600 need a 620FICO in 30 days

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Several ideas

Most things you can do to improve your credit take a fairly long time.  Here are a few things I have discovered that can perhaps make a difference quickly:

- Optimize your current credit usage.  If you have the financial resources to do so, pay down your current credit usage to below 20% of your limits.  You can do this immediately, and it could very well affect your score within 30 days.

- Become an authorized user on someone else's good account.  If you have a relative or something that is willing to include you in their current good credit account, then your credit report inherits that information.  This is one of the few techniques that can make a difference in a hurry.  Let me know if you need more explanation of how this works.

- Address all negatives ASAP.  This one is kind of obvious, but if you have outstanding issues with collections, old dead accounts in bad standing, etc., then you should do all you can to clean these up right away.  It may help, but I'm not sure it's likely to have a big effect within 30 days.

Good luck.

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