I have been improving my Credit Score , with purpose of getting a Mortgage ASAP .
Last month , I brought my Util down to about 10% , and score went up from 635 to 668 , only had a cap1 secured card, applied for Savor Card only for Credit score to go up , I was approved for 5K instantly, HP brought it down 3 points, am waiting for CS refresh after the approval, I hope it increases it,
Main Question is.....what do you all think is the next step to try and increase CS ASAP...BTW not planning on using Credit cards if it is not needed , so I can keep my Util Down..
Thanks for the advice..
Not many accounts on file , everything up to date , except , Best Buy CC , which was 60 day past due las year twice..
Anyhow, I think I will just wait and hope in about 6 months how my CS improves...