need a morgage loan HELP

[Anonymous]

I am trying very hard to raise my score.  EQ 677 TU ? EF 633.  Was given a car loan for $12,024 in April 2006 with no money down.  My credit cards are at about 35% now (over the last 2 weeks) but not posted yet.  However, many of the cards do not show my CL.  Show how would they know?  What else can I do to get my score up.  I have about $4000 to play with.  Does a Money Market account help?  I also took out a $2075 personal non-secure 90 day note that shows closed and paid as agreed on my report but it never seemed to effect my score either way. 

I need help, don't know what to do!  Need to get no less than a score of 720, perferably more.

[ShanetheMortgageMan]

You can ask your creditors to report your credit card's CL's to your credit, because if they are as you say, they would appear as they are maxed out and would hurt your credit card utilization... but once the CL's are reported, you should see an increase in the scores.  A 3 month trade line isn't going to help a whole lot since it's just for a short period of time... the only time it would help is if there was no installment loans previously on your credit report, or if there was hardly any credit on your report either.  Money market accounts are savings vehicles, not debt vehicles, and wouldn't report on your credit (at least mine do not, nor any of my clients who have money market accounts).  If you want to raise your scores, then use the $4k to pay down/off your credit card balances.