Mortgage and low FICO scores

QuestionsMortgage and low FICO scores
Jermaine Moody asked 4 years ago

Hello everyone…I have a bit of a dilemma. Looking to purchase a home in the next six months but my FICO scores from the three agencies are significantly lower than what’s required. I have paid off outstanding debts and only have student loans (always paid on time). Although i dont have outstanding debts, I still have negative “late payments” on my history. A few questions: what is the quickest way to boost my scores in the next six months? Would getting a new credit card to increase my score do more harm than good since I want to purchase a home soon? Should I still reach out to the creditors to remove the negative remarks even though I don’t owe them anymore? Any help is greatly appreciated

Register New Account
Reset Password