Hello everyone. I was to thank everyone here for your posts and being so helpful when I ask questions. I need help again, and any response will be greatly appreciated.
I have 4 cards, a Macy's $0/800cl, a cap1 $22/1050cl, orchard master $237/1400, and an orchard visa $0/1350cl. I have a bank loan $1600 remaining on it, a student loan 6500 remaining on it. I had a car not with wachovia where the balance was 11,668, but the other day I refinanced with my credit union and they did a loan for the blue book value of the car which was 9,000, and a signature loan for the remaining balance which was 1500. My score are in my siggy. I know the scores will drop when the new accounts hit. I am looking to purchase a house by the end of the year. What is the best way to raise my score as high as possible is I can get the best rate available.
nothing wrong with requesting a CLI or two a few months before you start looking for a home loan.
Other than that, let time do the work for you, and keep your balances low. You are on the right track.