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As most people, I would love to get my own home. I know that with the score I have right now I wouldn't qualify for loan. So I'm currently paying down all of my cc and I'm hoping that my score will go up. I did the score stimulator and it told me that my best action would be to pay down my cc and my score could jump between 645 to 685 within the next 24 months. Which is great but why so long? as I read the forum on I notice that most people have their score up in a few months. I understand that every person credit is different but is there a possibility that my score can go to at least 620 before 24 months?
if you pay the cards down, your score will reflect the increase at the very moment that the cc company reports the new balance.
That's great,
I have another question any help appreciated. Would it be wise to speak to a professional so that they can tell me what other steps I should take so that I can qualify for a loan? I really don't know much about this
you can apply today.
1. the lender scores may vary a few points.
2. the lender may have the ability to run you thru a score simulator
3. there are other factors to get a loan besides fico and these can all be addressed now.