Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
m1h2

0 Contributions
0 People Helped
Trying to raise my score to purchase a home. I've paid off collections, cards. How do I get it up?
Trying to purchase a home. I only need 13 points to get the loan approved. I have paid off a high interest card and closed it. I have paid off a signature loan that was a low balance. I have paid off all collections and they have been removed. I opened an secured credit card through my bank. I've paid down my student loan to almost nothing. My bankruptcy will be 10 years December 2014. I need help! I don't want this home to get a way from me. How do I get it up and how long will it take?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
122 Contributions
304 People Helped

Your bankruptcy dropping off your report alone should get you the points you need. Other than that, use your cards sparingly and keep your utilization to 20% or less, don't add any inquiries unless absolutely necessary, and keep your payment history on time and clean. Congratulations I think you are soon to be in your new home!!

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.