Raising Credit Score

[I_want_a_home2]

I've been working on my credit for about a year now! The only thing that's on my credit are medical bills. My scores are 721 614 589. I'm trying really hard to qualify for a mortgage. I have 2 credit cards a secured and unsecured! I just paid off my car in February and also an installment loan. I was told to pay the minimum due on my credit cards and leave a balance of 50.00 both cards has a limit of $300.00. How can I improve my credit?? I want to start looking at homes by this summer!

[TheGardner]

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@I_want_a_home2 wrote:
I've been working on my credit for about a year now! The only thing that's on my credit are medical bills. My scores are 721 614 589. I'm trying really hard to qualify for a mortgage. I have 2 credit cards a secured and unsecured! I just paid off my car in February and also an installment loan. I was told to pay the minimum due on my credit cards and leave a balance of 50.00 both cards has a limit of $300.00. How can I improve my credit?? I want to start looking at homes by this summer!

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Pay all cards off except for 1 on that card carry a balance of less than 10% for best score results.

Attempt a PFD on the most current medical bills on your lowest 2 reports. Good luck! 

BTW would likely get better results in rebuild forum.

[CreditHealthy]

Hello, the rebuild section of the forum would be a great place to start.Good luck!

[user5387]

I would try to write goodwill letters for the medical bills.

For the CCs, I would have one report a balance of $0 and the other a balance of around $10.