I will be attempting to get a mortgage in 3 months. I got a couple of secured cards and a store credit card. I wish I started to get my credit health straight earlier in the year. I am so excited in the improvement in my score since July. I unfortunately pulled a score in February but didn't act until July. Lack of knowledge. But now I am on the right track. I really want to get to 640 as quickly as possible. Paying bills on time, paying my cards off before their statement dates, and just watching my spending. I know it will take time but I hope I will see 640 before end of the year. Any suggestions?
Starting Score: EX=508 EQ=483 TU=507 ON 2/8/2012