How to improve your credit score of 650? should I take out a credit card? or what? I dont owe anythiI do not have any credit cards . Should I take one out? I need to improve my credit score before I purchase a house?August 22 2013 - Socastee00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.