It the saem old story, im trying to buy a house and my credit score is stopping me. However, i actually know what is bringing down my score! We tried a few years ago and were told to get a credit card and then try again in a couple of years. I thought the idea was to show a good payment history, i had no idea the balance mattered. Anyways, here is my question-once i realized the problem, i made a huge payment on the account. the ratio went from 148% to 30%. I am about 50 points shy of getting a decent loan-does anyone know if this will do the trick, and is there anyway to speed up the process of it showing on the report?
