Zillow Advice: Mortgage - Improving our credit score for 1st time home purchase http://www.zillow.com/advice-thread/Improving-our-credit-score-for-1st-time-home-purchase/211020/ Zillow Advice | Zillow Real Estate It is impossible for anyone ... http://www.zillow.com/advice-thread/Improving-our-credit-score-for-1st-time-home-purchase/211020/ It is impossible for anyone to tell you what to do without seeing your full CR. If I remember correctly, it will take at least 6 payments ( 7 months ) for the secured card to factor into the score. What about the people who have pulled your credit already, dont they have any recommendations on moving the scores up? It is highly unlikely you can move your scores over 720 ( both ) in 6 months as the bad credit has to age off. Also, how much are you putting down and what will the property that you are approved for at $475K, appraise for? You sure you need that much house? Mon, 16 Mar 2009 10:37:00 GMT http://www.zillow.com/advice-thread/Improving-our-credit-score-for-1st-time-home-purchase/211020/ 2009-03-16T10:37:00Z