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telusive

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Where to go next, want to buy a home, have a 628 and 1 secured card
I have a 628, and one secured capital one card. I want to buy a home and am working on the down payment. In the meantime, what should I be doing to build more credit? Is there a store card or something that I could get? Could I actually get a loan with 3.5% down? Is this credit score fairly accurate?

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Your score is pretty close to being able to qualify.  You need more good credit in my opinion.  You might try your local credit union, ask them for a "credit builder loan".  That way you may be able to get a mortgage through them as well (credit unions are great to work with).  If you want another option, visit www.naca.com - this is a non-profit group that helps low-middle income folks get into homes with NO downpayment, NO closing costs, 4% interest and your credit score doesn't matter.  One lady in my office is doing this, so I know it's legit.  Best of luck!

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