What is the best and fastest way for my husband to raise his credit score by 40 points?
We want to refinance to lock in a fixed rate. (and possibly pay off around $ 10,000 in credit card debt- but that is not necessary) He has a few late payments on a couple smaller balance accounts that are screwing up his credit score. My credit isn’t that great either, plus I don’t work (Stay at home mom) We owe $ 190,000 on our house and it’s been appraised (by a relator/friend) for at least $ 360,000. We know that his credit score will affect the refinance process but we have a few months to try to improve his credit score. Any ideas are much appreciated