I need some help as I continue my credit rebuilding journey. I am looking for ways that I can boost my credit up about 15-20 points. I have some lenders that will approve me for a mortgage but I need to get the score up a bit.
Current FICO Scores:
607, 641, 665
My credit report is basically clean now after I worked on rebuilding for the past year. The only places I can see impact is from balances:
-Student Loan is at 60k. But it’s in deferment for another year.
-Car Loan is at 9,000.
Everything else is clean:
-I have no collections that need to be paid
-I have 2 credit cards with only a 10$ balance on both. I buy coffee and gas with them and then pay them back.
-I disputed a lot of accounts to get things removed which helped a lot.
I’m just running out of ideas to keep the score going up besides waiting overtime.
Any help will be appreciated! Thanks!