How to fix my credir score?

recently,I applied for a house loan,my credit scores was checked many times,my scores droped from 680 to 630,how to fix that,how long it will take?

How to fix my credir score?

I don't think anyone can tell you exactly how long it will take for your score to rise.

If you have any late payments, get them paid up. Then continue to pay all of your bills in full on time every month. Eventually your score will rise.

To get the best rates, you need a score of 720 or up.

How to fix my credir score?

Hi,

Do not ever again have your credit score check by anybody you talk to. If you are not ready to buy at the near moment within 3 months when you check your credit score - don't do or touch it. It takes 2 years to get it high and going again. In the beginning you already have a drowing credit, it will go down some more. Pay your bills on time every month religiously - meaning you can't even be late on any payments. Do not close or apply for any credit cards. Do not go job hopping at least after you bought you new home for at least 2 years. You should have at least 800+ credit score - this will be easy to get a loan with very secure rates. An you have to have checking and savings account with money on it. (2 is the secret number. example: 2 years in the job, 2 years of good standing, 2 years of savings and checking, 2 years good standing with your telephone bills, pg%26amp;e, and other monthly bills for your house needs and 2 years good standing in your major credit cards.)

Good Luck.

How to fix my credir score?

To Repair credit score

Your credit score is based mostly on:

1. Length of credit history

2. Payment history.

3. Ratio of credit used to available credit.

4. Number of credit inquiries you authorized.

If you cancel your card, you'll be hurting your credit ratio. (#3).

You want to deliberately keep your oldest credit card open, even if you never use it.

You want to always pay the minimums of each loan on time every month.

You want to keep your available credit high, but actually only have balances equalinig 25% or less.

You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.

You do these things and your credit score will quickly soar into the 700s.

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http://www.bestcreditrates.net

How to fix my credir score?

Maybe you can try below website to get the information you need. It's about credit repair that you can do it yourself articles for your second opinion.