Zillow Advice: Buying Process - Moving and trying to get approved for a home http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ Zillow Advice | Zillow Real Estate Hi user811...I understand ... http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ Hi user811...<br/>I understand your frustration regarding the slow updates of credit reports, and the fact that to keep your scores high, you need to have active accounts.<br/>It is best to find&nbsp;a great lender (there are many here on Zillow!) that can analyze your situation and help you design a road map to get your new home.<br/>I disagree heartily with the suggestion you begin building your credit with a gas card. The credit bureaus consider most gas cards second tier outlets for credit, and these cards may not improve your scores as much or as quickly as other types of credit.<br/>Best wishes, Jim Mon, 10 Sep 2012 16:42:00 GMT http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ 2012-09-10T16:42:00Z I work with client in you ... http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ I work with client in you situation all the time.. First of all you do need to see a Lender I-Mortgage for example can do a rapid creidt score in 15 days after you have paid you bills off.. The credit departments will not get any type of update on your credit for at least 45 days.. I really suggest that you get a gas card and pay it month to bost your credit score up again.. This shows the creditors that you are able to pay your bills..&nbsp; Best to work with a lender that deal with credit repair, if you need any help you can call me I wil be willing to help you get with the right lender.. <br/><br/>Regards,<br/>Rosemarie Kudo<br/>Fortress Real Estate Sun, 09 Sep 2012 18:02:00 GMT http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ 2012-09-09T18:02:00Z I can understand that you ... http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ I can understand that you don't want to have any debt but you will have to have a good history of paying on your credit. Contact a lender in your area they will spell out exactly want needs to be done in order to qualify you, you may already be qualified. Sun, 09 Sep 2012 16:41:00 GMT http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ 2012-09-09T16:41:00Z Suggest you connect with ... http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ Suggest you connect with a reputable mortgage rep to get a discussion going.&nbsp; I do a lot of business with Wells Fargo so I'd suggest you start there. <em>[deleted by Zillow&nbsp; moderator. Please see our Good Neighbor Policy for posting guidelines]</em> Sun, 09 Sep 2012 15:54:00 GMT http://www.zillow.com/advice-thread/Moving-and-trying-to-get-approved-for-a-home/459240/ 2012-09-09T15:54:00Z