Pay down your credit card balance to about 10%-15% total balance and pay on time. Do not close your accounts. Do not apply for new credit cards.

Pay off bad debts then dispute them. When you dispute them they will delete it off of your credit report. If the bill is yours and you try to dispute them then it won’t disappear. Pay your credit cards on time and make sure you have over 75% available credit on all your cards.

Really there is no “quick” way reports can take up to 90 days to update

There is no way to erase bad credit from your credit report, but you can improve it. You can start by pulling your credit report form all three credit agencies which are Experian, Equifax, and TransUnion. You can find out how to obtain these for free annually at the U.S. Government website at Federal Trade Commission. Then, follow these simple guidelines to help restore and improve your credit score.

First, make sure all the information on your credit report is accurate.

Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.

Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.

Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.

Repairing your credit and improving your credit score is a slow process that takes time.

Contact Real Estate Funding Network, LLC in Raleigh, N.C. and discuss your situation with a professional. The initial consultation is free, but they can tell you exactly what you should do. They can and will help you buy a home, even with your current credit score, and withTheir website is: and telephone number is 919-802-3119

u need to either one pay off your credit card debt if u have alot it will jump ur score atleast 20-50 points if u cant do that u need to get a loan and pay off the debt that way revolving lines such as credit cards are not good to have maxed out loans are ok because they are fixed and u pay a fixed amout doing this will also bump ur score up still 20-50 points

Find somebody with good credit, and ask them for a tradeline. What you want to look for someone with a high limit and low balance and long established good payment history. A limit of one thousand dollars or more is good. A Balance of no more than 30% of the limit and establishe history of at least 6 months (5 years or more is better). It would be no harm to the person adding you, but, if the person who adds you messes up that credit line your credit will take a hit as well. Takes about 30 days to show up on your credit. Can raise your credit score about 30 points per tradeline you add.
Good luck!