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hi
i am new here and want to apply for home mortgage as soon as possible. i called mortgage people and they said i need atleast 620 credit score.
can you please tell me how can i get 620 in shortest period of time and what is possible shortest time to get 620, i mean 1 year, 2 years or more???
i am ready to do anything like taking small loans, car loan and using credit cards and paying bills...... what else??//
thanks a lot for your help
ask your family whoever have credit card over 5 years history add you for AU. then you need to opend another 2 secured credit card. 6 months or 1 year later you can buy a house
I would start with a secured card, possibly 2. In about 6 months, you'll be ready for an unsecured and in about a year you'll be ready for a mortgage.
I would start with a secured personal loan and a credit card. Talk to your bank about these products. If you've had a long history with them they may give you a non-secured card, which is better than a secured card, hopefully with a decent credit limit. If you play the cards right, you'll reach a 720+ FICO score by the end of next year.