How fast can you raise your credit score for a mortgage?
Me and my fiance’ are buying a new home and our closing is in about 45 days. To qualify for one of their programs you need a credit score of 740+. All three of my scores are around 770, but hers are 742, 724, and 720. My lender said she does not qualify and I would have to put the mortgage in my name only. She did say they have a credit department that will look at her credit and see if they can raise it by our closing date (April 17). She has good credit but doesn’t have a long history (got her first credit card less then 2 years ago). She pays all her bills on-time and pays off her credit card completely each month. Only debt she has is a car lease. Any chance these people can raise her score to over 740 by our closing?????