I bought a home a couple of years ago with a seller financed mortage. Our agreement was after two years I would re-fianance with a conventional mortage. My two years will be up this August and I really need my score to go up 50pts to get the loan I want. Is this possible or should I revert to plan B? Here's the lowdown. I've destoyed my credit. I began falling seriosly behind on my CC's and a student loan about a year ago. About four moths ago I beagn making payments agin. I will recive a bonus next month and will use it to bring all my accounts current and under their limits. Will it work?