Posted on: 11th Nov, 2010 07:40 am
my partner and i are wanting to buy our 1st house ASAP. we make about 50k a year and with her credit score being 590 and mine being 620. we were told we need credit repair that would be very pricey to fix. with her bringing in more $ we were told by our lender that her credit was the one that needed to go up. using a credit repair would take about 4-6 months to POSSIBLY be fixed and i needed to establish some kind o credit because i have only 1 care in my name that is in good standing and nothing else not even bad credit.
so my question is do we do the credit repair or open up a CC and maintain a good pay history to up our scores?
so my question is do we do the credit repair or open up a CC and maintain a good pay history to up our scores?
Hi felicemtz ,
Welcome to mortgage fit,
Most of the credit repair agencies also advice the same route which you just told..........Open a fresh credit card and then regularly pay the due amount without any delay.......this will eventually increase your credit but you need to keep in mind that this is not a quick fix....
Feel free to ask any further query if you have.........
DIPA
Welcome to mortgage fit,
Most of the credit repair agencies also advice the same route which you just told..........Open a fresh credit card and then regularly pay the due amount without any delay.......this will eventually increase your credit but you need to keep in mind that this is not a quick fix....
Feel free to ask any further query if you have.........
DIPA