@amclaughlin42 wrote:
I've been trying to raise it a year, whats the trick to this?
a year ago all I had was an account I was an Authorized User on.
I now have an auto loan, personal loan, and a store card.
all payments made on time, carrying high balances currernly. But working on getting those paid down.
current middle mortgage 595, I need a 640. I would like to qualify in the next 6 months to begin the home purchasing process.
If you just started a year ago you need age, you need time to pass. But you need more revolvers to begin with, preferably 5 for the best mortgage scores and then you need to have no balances on any card except for one bankcard with only a small balance.
when you get your revolving balances down to almost nothing and only report a balance on one bankcard, you will be at the best score you can get for now; age will bring the rest.
now if you can get added as an authorized user to some older cards with perfect payment history or be added as a joint to the same type of card, that might give you a shortcut.
you haven't given us any profile information so it's kind a hard to say anything else.
