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Hi, I have a 542 credit score due to issues with student loans. I have been able to consolidate all and have been current for a year. This is the only account on my credit report but I do have about 4 non traditional accts with great payment history for about 18 mths. I just received a raise and was looking to buying a townhome with no more than $150,000 loan amt. Do you think I would qualify? or what can I do to increase my credit score and maybe apply in 12 mths for the mortgage loan? I heard that it would be good to get a secured credit card or even a car loan. Please HELP! thanks! :)

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