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Improving credit

I was wondering if there are any lenders or anybody with credit experience who could help me by looking at my credit reports and point me in the right direction. I would like to buy a home within the next six months to a year. My median score is around 575.  Any help would be appreciated. Thanks.
  • April 17 2013 - Palm Springs
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Answers (7)

Profile picture for RemaxEnterprises
Here are some tips to help improve your credit score now! Some of these tips can help you boost your score by the end of the day. What do you think?

5 Easy Ways To Improve Your Credit Score Now! 
  • October 14 2014
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Profile picture for New American Funding
Most Lenders will take the time, free of charge, to help you increase your credit scores.  Its not always 100% but they can run "What If Scenarios" or help dispute inaccurate items through "Rapid Rescore"  Even better, most seasoned loan officers can help.

Start with trust.  Find a loan officer who is patient and who will take the time to help and explain the process.

One thing you can do is get a free copy of your credit report through the FTC:  http://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report

There are a lot of websites out there that offer information and you can take away bits and pieces from each site.

A good place to start that does offer good consumer friendly advise that is easy to navigate is at the FTC's website.   Here is a link with a lot of useful tools and articles that may help answer more questions:
http://www.consumer.ftc.gov/topics/credit-and-loans
  • May 23 2014
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Profile picture for Christina Hayes
Hello,

We can help you obtain higher credit scores.  We offer credit score improvement services.  Based on what is on your credit 6 months may be an acceptable amount of time to rebuild and repair your credit.

Best of Luck;

Christina Solorzano;
[Contact information and website removed by Zillow moderator. Please see our Good Neighbor Policy.]
  • April 24 2013
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A lender should be able to work with you to improve you credit. Here are a couple quick tips I always tell my clients.

1. Do correct any errors on your credit report. This is a fast way to raise your credit score.

2. Do reduce any high balances on credit cards. This is also a fast way to improve your credit rating.

3. Do pay your bills on time. If you missed payments, get current and stay current. The longer you pay your bills on time, the better your credit score.

4. Do contact your creditors or see a legitimate credit counselor if you're having trouble paying bills. This won't improve your credit score right away, but if you start paying on time, your score will eventually improve.

5. Do keep balances low on credit cards. Lots of outstanding debt can hurt a credit rating.

6. Do use credit cards, but manage them responsibly. Having cards and installment loans and paying them on time will raise your credit score. People with no credit cards are usually a higher risk than people who use their credit cards properly.

Best wishes in this and all your endeavors!

  • April 19 2013
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I do this for clients all the time. Free of charge of course. 
  • April 18 2013
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Hope this helps! http://www.myfico.com/crediteducation/whatsinyourscore.aspx
  • April 17 2013
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Best chance is to talk with a local realtor, who will submit your information to a lender...
They want your business... so they will help you free of charge..
Lenders have programs that look at your credit and show you what to pay off...
Good luck!
  • April 17 2013
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